National Compensation Survey: 

Health and Retirement Plan Provisions in Private 

Industry in the United States, 2010 

U.S. Department of Labor 

Hilda L. Solis, Secretary 

U.S. Bureau of Labor Statistics 

Keith Hall, Commissioner 

August 2011 

Bulletin 2770 
Employee Benefits Survey 

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 2010. Under the NCS program, 

information on the incidence and provision of benefits is published in stages. An earlier bulletin provided 2010 

NCS data for civilian, State and local government, and private industry workers, on the incidence of (access to 

and participation in) selected benefits and detailed provisions of paid holidays, life insurance plans, and some 

other benefit plans, as well as on employer and employee shares of contributions to medical care premiums and 

their average amounts. Similar data for civilian, private industry, and State and local government workers for 

March 2011 will be issued later this year. 

This bulletin of detailed health and retirement provisions this year includes basic health, defined benefit, and 

defined contribution tables. In addition, this year additional defined benefit retirement tables in private industry 

are included. Health tables in state and local government are scheduled to be published in the spring of 2012. 

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

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

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

Relay Service: 1 (800) 877–8339). Data requests also may be sent by mail to the U.S. Bureau of 

Labor Statistics, Division of Compensation Data Analysis and Planning, 2 Massachusetts 

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

domain and, with appropriate credit, may be reproduced without permission. 
Table 1. Medical care benefits: Plan type, private industry workers, National Compensation Survey, 2010

(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 76 3 62 6 5 –

Management, professional, and related ............................ 100 72 – 58 9 4 –

Management, business, and financial ........................... 100 77 – 67 4 5 –

Professional and related ............................................... 100 70 – 53 11 4 –

Service .............................................................................. 100 69 – 53 6 – –

Protective service .......................................................... 100 – – 61 – – –

Sales and office ................................................................ 100 80 – 66 5 5 –

Sales and related .......................................................... 100 84 – 75 – – –

Office and administrative support ................................. 100 77 – 63 6 6 –

Natural resources, construction, and maintenance ........... 100 76 – 62 – 6 –

Construction, extraction, farming, fishing, and forestry 100 – – 66 – – –

Installation, maintenance, and repair ............................ 100 72 – 58 – – –

Production, transportation, and material moving .............. 100 81 4 70 4 2 –

Production ..................................................................... 100 80 – 70 – – –

Transportation and material moving ............................. 100 82 – 70 – 3 –

Full time ............................................................................ 100 75 2 62 6 5 –

Part time ............................................................................ 100 85 – 63 – – –

Union ................................................................................. 100 76 6 61 5 5 –

Nonunion ........................................................................... 100 76 – 63 7 5 –

Average wage within the following categories:1

Lowest 25 percent ......................................................... 100 84 – 72 – – –

Second 25 percent ........................................................ 100 76 3 62 7 4 –

Third 25 percent ............................................................ 100 76 2 62 6 6 –

Highest 25 percent ........................................................ 100 73 – 59 7 5 –

Highest 10 percent .................................................... 100 76 – 63 7 5 –

Establishment characteristic

Goods-producing industries .............................................. 100 79 – 68 4 3 –

Construction .................................................................. 100 76 – 64 – – –

Manufacturing ............................................................... 100 80 – 70 – 3 –

Service-providing industries .............................................. 100 75 – 61 7 5 –

Trade, transportation, and utilities ................................. 100 81 – 71 4 3 –

Wholesale trade ........................................................ 100 77 – 66 – – –

Transportation and warehousing .............................. 100 79 – 64 – – –

Information .................................................................... 100 72 – 62 – – –

Financial activities ......................................................... 100 78 – 58 10 9 –

Finance and insurance .............................................. 100 81 – 61 10 8 –

Credit intermediation and related activities ........... 100 80 – 58 13 8 –

Insurance carriers and related activities ............... 100 85 – 65 – – –

Professional and business services .............................. 100 82 – 70 – – –

Education and health services ...................................... 100 64 – 39 15 – –

Educational services ................................................. 100 66 – 54 8 – –

Junior colleges, colleges, and universities ............ 100 62 – 44 13 – –

Health care and social assistance ............................ 100 64 – 37 16 – –

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

Compensation Survey, 2010—Continued

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

Characteristics

Health maintenance organization

Total Traditional Open

access

Not

determinable

Worker characteristic

All workers ........................................................................ 24 16 8 –

Management, professional, and related ............................ 28 16 12 –

Management, business, and financial ........................... 23 15 8 –

Professional and related ............................................... 30 17 – –

Service .............................................................................. 31 22 – –

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

Sales and office ................................................................ 20 14 6 –

Sales and related .......................................................... 16 13 3 –

Office and administrative support ................................. 23 15 7 –

Natural resources, construction, and maintenance ........... 24 20 4 –

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

Installation, maintenance, and repair ............................ 28 24 – –

Production, transportation, and material moving .............. 19 14 5 –

Production ..................................................................... 20 14 6 –

Transportation and material moving ............................. 18 14 – –

Full time ............................................................................ 25 17 8 –

Part time ............................................................................ 15 7 – –

Union ................................................................................. 24 14 10 –

Nonunion ........................................................................... 24 16 7 –

Average wage within the following categories:1

Lowest 25 percent ......................................................... 16 10 – –

Second 25 percent ........................................................ 24 17 7 –

Third 25 percent ............................................................ 24 17 7 –

Highest 25 percent ........................................................ 27 17 10 –

Highest 10 percent .................................................... 24 14 10 –

Establishment characteristic

Goods-producing industries .............................................. 21 16 6 –

Construction .................................................................. 24 19 – –

Manufacturing ............................................................... 20 15 5 –

Service-providing industries .............................................. 25 16 8 –

Trade, transportation, and utilities ................................. 19 15 4 –

Wholesale trade ........................................................ 23 19 – –

Transportation and warehousing .............................. 21 13 – –

Information .................................................................... 28 – 11 –

Financial activities ......................................................... 22 16 5 –

Finance and insurance .............................................. 19 13 6 –

Credit intermediation and related activities ........... 20 15 – –

Insurance carriers and related activities ............... 15 7 – –

Professional and business services .............................. 18 12 – –

Education and health services ...................................... 36 19 – –

Educational services ................................................. 34 22 11 –

Junior colleges, colleges, and universities ............ 38 27 11 –

Health care and social assistance ............................ 36 19 – –

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

2010—Continued

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

Characteristics Total

Fee-for-service plan

Total Traditional

Preferred

provider

organization

Point of

service plan

Exclusive

provider

organization

Not

determinable

1 to 99 workers ................................................................. 100 74 2 63 5 4 –

1 to 49 workers ............................................................. 100 74 – 63 4 – –

50 to 99 workers ........................................................... 100 74 – 63 – – –

100 workers or more ......................................................... 100 78 3 62 8 5 –

100 to 499 workers ....................................................... 100 82 – 70 4 5 –

500 workers or more ..................................................... 100 72 – 52 12 5 –

Geographic area

New England ..................................................................... 100 50 – 35 – – –

Middle Atlantic ................................................................... 100 66 – 52 6 5 –

East North Central ............................................................ 100 76 2 64 – 4 –

West North Central ........................................................... 100 88 – 73 7 – –

South Atlantic .................................................................... 100 79 – 65 – 4 –

East South Central ............................................................ 100 – – 81 – – –

West South Central ........................................................... 100 91 – 82 6 2 –

Mountain ........................................................................... 100 75 – 60 – – –

Pacific ............................................................................... 100 68 – 50 9 – –

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

Compensation Survey, 2010—Continued

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

Characteristics

Health maintenance organization

Total Traditional Open

access

Not

determinable

1 to 99 workers ................................................................. 26 20 6 –

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

50 to 99 workers ........................................................... 26 18 – –

100 workers or more ......................................................... 22 13 9 –

100 to 499 workers ....................................................... 18 12 6 –

500 workers or more ..................................................... 28 15 – –

Geographic area

New England ..................................................................... 50 36 14 –

Middle Atlantic ................................................................... 34 21 13 –

East North Central ............................................................ 24 11 – –

West North Central ........................................................... 12 – – –

South Atlantic .................................................................... 21 15 6 –

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

West South Central ........................................................... 9 8 – –

Mountain ........................................................................... 25 17 8 –

Pacific ............................................................................... 32 28 4 –

1 The categories are based on the average wage for each

occupation surveyed, which may include workers with

earnings both above and below the threshold. The average

wages are based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United

States, 2009." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not

equal totals. Dashes indicate that no data were reported or

that data do not meet publication criteria. For definitions of

major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 1. Standard errors for medical care benefits: Plan type, private industry workers, National

Compensation Survey, 2010

Characteristics

Fee-for-service plan

Total Traditional

Preferred

provider

organization

Point of

service plan

Exclusive

provider

organization

Not

determinable

Worker characteristic

All workers ........................................................................ 1.4 0.6 1.6 0.8 0.6 –

Management, professional, and related ............................ 2.8 – 2.7 1.2 0.8 –

Management, business, and financial ........................... 1.9 – 2.1 0.7 1.2 –

Professional and related ............................................... 4.0 – 3.7 1.8 0.7 –

Service .............................................................................. 4.7 – 5.8 1.6 – –

Protective service .......................................................... – – 13.1 – – –

Sales and office ................................................................ 1.6 – 2.1 0.9 0.8 –

Sales and related .......................................................... 2.2 – 3.1 – – –

Office and administrative support ................................. 2.2 – 2.5 1.0 1.1 –

Natural resources, construction, and maintenance ........... 3.1 – 3.8 – 1.5 –

Construction, extraction, farming, fishing, and forestry – – 7.3 – – –

Installation, maintenance, and repair ............................ 4.0 – 4.5 – – –

Production, transportation, and material moving .............. 1.9 1.2 2.6 1.3 0.6 –

Production ..................................................................... 2.2 – 3.1 – – –

Transportation and material moving ............................. 2.5 – 3.3 – 0.7 –

Full time ............................................................................ 1.4 0.3 1.7 0.7 0.6 –

Part time ............................................................................ 3.2 – 6.1 – – –

Union ................................................................................. 2.1 1.4 2.6 1.2 1.2 –

Nonunion ........................................................................... 1.6 – 1.8 0.9 0.7 –

Average wage within the following categories:1

Lowest 25 percent ......................................................... 2.8 – 4.1 – – –

Second 25 percent ........................................................ 2.7 0.7 2.6 1.2 0.9 –

Third 25 percent ............................................................ 1.7 0.6 2.4 0.9 1.5 –

Highest 25 percent ........................................................ 2.0 – 2.1 0.8 0.8 –

Highest 10 percent .................................................... 2.2 – 2.5 1.0 0.9 –

Establishment characteristic

Goods-producing industries .............................................. 1.8 – 2.0 1.0 0.7 –

Construction .................................................................. 4.8 – 5.9 – – –

Manufacturing ............................................................... 1.8 – 2.2 – 0.7 –

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

Trade, transportation, and utilities ................................. 2.3 – 2.2 1.1 0.6 –

Wholesale trade ........................................................ 4.3 – 4.7 – – –

Transportation and warehousing .............................. 4.7 – 6.6 – – –

Information .................................................................... 5.3 – 5.8 – – –

Financial activities ......................................................... 3.3 – 3.5 2.1 2.1 –

Finance and insurance .............................................. 2.6 – 3.6 2.0 2.2 –

Credit intermediation and related activities ........... 3.2 – 4.9 2.8 1.7 –

Insurance carriers and related activities ............... 3.4 – 5.3 – – –

Professional and business services .............................. 4.0 – 4.8 – – –

Education and health services ...................................... 5.6 – 4.6 2.9 – –

Educational services ................................................. 4.1 – 4.4 1.7 – –

Junior colleges, colleges, and universities ............ 3.7 – 4.3 2.6 – –

Health care and social assistance ............................ 6.6 – 5.4 3.5 – –

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

workers, National Compensation Survey, 2010—Continued

Characteristics

Health maintenance organization

Total Traditional Open

access

Not

determinable

Worker characteristic

All workers ........................................................................ 1.4 1.0 1.4 –

Management, professional, and related ............................ 2.8 1.3 3.0 –

Management, business, and financial ........................... 1.9 1.4 1.5 –

Professional and related ............................................... 4.0 1.9 – –

Service .............................................................................. 4.7 3.5 – –

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

Sales and office ................................................................ 1.6 1.2 1.0 –

Sales and related .......................................................... 2.2 2.1 0.8 –

Office and administrative support ................................. 2.2 1.7 1.4 –

Natural resources, construction, and maintenance ........... 3.1 2.9 0.9 –

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

Installation, maintenance, and repair ............................ 4.0 3.8 – –

Production, transportation, and material moving .............. 1.9 1.5 1.2 –

Production ..................................................................... 2.2 1.8 1.5 –

Transportation and material moving ............................. 2.5 2.1 – –

Full time ............................................................................ 1.4 1.0 1.3 –

Part time ............................................................................ 3.2 1.5 – –

Union ................................................................................. 2.1 2.2 1.8 –

Nonunion ........................................................................... 1.6 1.1 1.6 –

Average wage within the following categories:1

Lowest 25 percent ......................................................... 2.8 2.0 – –

Second 25 percent ........................................................ 2.7 2.4 1.8 –

Third 25 percent ............................................................ 1.7 1.7 1.1 –

Highest 25 percent ........................................................ 2.0 1.2 1.9 –

Highest 10 percent .................................................... 2.2 1.9 1.8 –

Establishment characteristic

Goods-producing industries .............................................. 1.8 1.6 1.2 –

Construction .................................................................. 4.8 4.5 – –

Manufacturing ............................................................... 1.8 1.6 1.1 –

Service-providing industries .............................................. 1.8 1.1 1.8 –

Trade, transportation, and utilities ................................. 2.3 1.9 0.8 –

Wholesale trade ........................................................ 4.3 3.2 – –

Transportation and warehousing .............................. 4.7 3.6 – –

Information .................................................................... 5.3 – 2.8 –

Financial activities ......................................................... 3.3 3.0 1.1 –

Finance and insurance .............................................. 2.6 2.1 1.2 –

Credit intermediation and related activities ........... 3.2 2.9 – –

Insurance carriers and related activities ............... 3.4 1.8 – –

Professional and business services .............................. 4.0 2.5 – –

Education and health services ...................................... 5.6 2.5 – –

Educational services ................................................. 4.1 3.3 2.2 –

Junior colleges, colleges, and universities ............ 3.7 2.8 1.6 –

Health care and social assistance ............................ 6.6 2.9 – –

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

Compensation Survey, 2010—Continued

Characteristics

Fee-for-service plan

Total Traditional

Preferred

provider

organization

Point of

service plan

Exclusive

provider

organization

Not

determinable

1 to 99 workers ................................................................. 1.8 0.6 2.4 1.2 1.2 –

1 to 49 workers ............................................................. 2.1 – 2.6 1.1 – –

50 to 99 workers ........................................................... 4.8 – 4.6 – – –

100 workers or more ......................................................... 2.2 0.9 2.1 0.9 0.6 –

100 to 499 workers ....................................................... 1.6 – 2.3 1.2 1.2 –

500 workers or more ..................................................... 3.8 – 3.2 1.4 0.8 –

Geographic area

New England ..................................................................... 5.5 – 8.8 – – –

Middle Atlantic ................................................................... 2.4 – 2.8 1.1 1.2 –

East North Central ............................................................ 6.4 0.6 5.6 – 0.8 –

West North Central ........................................................... 3.4 – 5.9 1.4 – –

South Atlantic .................................................................... 2.1 – 3.3 – 0.8 –

East South Central ............................................................ – – 4.8 – – –

West South Central ........................................................... 1.5 – 1.9 1.2 0.4 –

Mountain ........................................................................... 3.3 – 7.2 – – –

Pacific ............................................................................... 3.4 – 4.7 1.9 – –

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

workers, National Compensation Survey, 2010—Continued

Characteristics

Health maintenance organization

Total Traditional Open

access

Not

determinable

1 to 99 workers ................................................................. 1.8 1.7 0.9 –

1 to 49 workers ............................................................. 2.1 2.0 1.1 –

50 to 99 workers ........................................................... 4.8 3.4 – –

100 workers or more ......................................................... 2.2 1.0 2.3 –

100 to 499 workers ....................................................... 1.6 1.2 1.1 –

500 workers or more ..................................................... 3.8 1.5 – –

Geographic area

New England ..................................................................... 5.5 5.4 3.3 –

Middle Atlantic ................................................................... 2.4 1.7 1.2 –

East North Central ............................................................ 6.4 2.6 – –

West North Central ........................................................... 3.4 – – –

South Atlantic .................................................................... 2.1 1.8 1.3 –

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

West South Central ........................................................... 1.5 1.7 – –

Mountain ........................................................................... 3.3 3.3 1.7 –

Pacific ............................................................................... 3.4 3.3 0.7 –

1 The categories are based on the average wage for each

occupation surveyed, which may include workers with

earnings both above and below the threshold. The average

wages are based on the estimates published in the "National

Compensation Survey: Occupational Earnings in the United

States, 2009." See Technical Note for more details.

NOTE: Dashes indicate that no data were reported or that

data do not meet publication criteria. For definitions of major

plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 2. Medical care benefits: Plan characteristics, private industry workers, National Compensation Survey, 2010

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

Characteristics

Plan network Allow non-emergency services

outside network Require primary care physician

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Worker characteristic

All workers ........................................................................ 97 3 – 77 23 – 33 67 –

Management, professional, and related ............................ 98 – – 78 22 – 38 62 –

Management, business, and financial ........................... 98 – – 79 21 – 29 71 –

Professional and related ............................................... 98 – – 77 23 – 43 57 –

Service .............................................................................. 98 – – 69 31 – 44 56 –

Protective service .......................................................... 100 – – 65 – – – 61 –

Sales and office ................................................................ 97 – – 78 22 – 30 70 –

Sales and related .......................................................... 97 – – 82 18 – 22 78 –

Office and administrative support ................................. 97 – – 76 24 – 33 67 –

Natural resources, construction, and maintenance ........... 98 – – 72 28 – 35 65 –

Construction, extraction, farming, fishing, and forestry 97 – – 77 23 – 31 69 –

Installation, maintenance, and repair ............................ 99 – – 69 31 – 39 61 –

Production, transportation, and material moving .............. 96 4 – 79 21 – 24 76 –

Production ..................................................................... 95 – – 79 21 – 24 76 –

Transportation and material moving ............................. 96 – – 79 21 – 24 76 –

Full time ............................................................................ 98 2 – 76 24 – 34 66 –

Part time ............................................................................ 89 – – 80 – – 25 75 –

Union ................................................................................. 94 6 – 75 25 – 30 70 –

Nonunion ........................................................................... 98 – – 77 23 – 34 66 –

Average wage within the following categories:1

Lowest 25 percent ......................................................... 95 – – 83 17 – 23 77 –

Second 25 percent ........................................................ 97 3 – 76 24 – 34 66 –

Third 25 percent ............................................................ 98 2 – 75 25 – 34 66 –

Highest 25 percent ........................................................ 98 – – 76 24 – 37 63 –

Highest 10 percent .................................................... 98 – – 79 21 – 32 68 –

Establishment characteristic

Goods-producing industries .............................................. 97 – – 78 22 – 27 73 –

Construction .................................................................. 98 – – 75 25 – 34 66 –

Manufacturing ............................................................... 97 – – 79 21 – 25 75 –

Service-providing industries .............................................. 97 – – 76 24 – 35 65 –

Trade, transportation, and utilities ................................. 97 – – 79 21 – 25 75 –

Wholesale trade ........................................................ 100 – – 76 24 – 32 68 –

Transportation and warehousing .............................. 96 – – 78 22 – 29 71 –

Information .................................................................... 99 – – 76 24 – 31 69 –

Financial activities ......................................................... 98 – – 72 28 – 38 62 –

Finance and insurance .............................................. 98 – – 77 23 – 34 66 –

Credit intermediation and related activities ........... 99 – – 76 24 – 40 60 –

Insurance carriers and related activities ............... 95 – – 77 23 – 23 77 –

Professional and business services .............................. 98 – – 81 19 – 25 75 –

Education and health services ...................................... 98 – – 71 29 – 58 42 –

Educational services ................................................. 99 – – 73 27 – 43 57 –

Junior colleges, colleges, and universities ............ 99 – – 69 31 – 55 45 –

Health care and social assistance ............................ 97 – – 71 29 – 60 40 –

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

2010—Continued

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

Characteristics

Plan network Allow non-emergency services

outside network Require primary care physician

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

1 to 99 workers ................................................................. 98 2 – 74 26 – 34 66 –

1 to 49 workers ............................................................. 98 – – 73 27 – 34 66 –

50 to 99 workers ........................................................... 97 – – 78 22 – 33 67 –

100 workers or more ......................................................... 97 3 – 78 22 – 33 67 –

100 to 499 workers ....................................................... 97 – – 80 20 – 25 75 –

500 workers or more ..................................................... 97 – – 76 24 – 42 58 –

Geographic area

New England ..................................................................... 98 – – 52 48 – 54 46 –

Middle Atlantic ................................................................... 96 – – 71 29 – 44 56 –

East North Central ............................................................ 98 2 – 82 18 – 32 68 –

West North Central ........................................................... 95 – – 89 – – 20 80 –

South Atlantic .................................................................... 98 – – 79 21 – 33 67 –

East South Central ............................................................ 93 – – 86 – – – 91 –

West South Central ........................................................... 99 – – 89 11 – 16 84 –

Mountain ........................................................................... 95 – – 74 26 – 34 66 –

Pacific ............................................................................... 98 – – 63 37 – 46 54 –

1 The categories are based on the average wage for each occupation surveyed, which

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

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

Earnings in the United States, 2009." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate

that no data were reported or that data do not meet publication criteria. For definitions of

major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 2. Standard errors for medical care benefits: Plan characteristics, private industry workers, National

Compensation Survey, 2010

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 ........................................................................ 0.6 0.6 – 1.4 1.4 – 1.6 1.6 –

Management, professional, and related ............................ 0.7 – – 1.6 1.6 – 2.6 2.6 –

Management, business, and financial ........................... 0.6 – – 1.6 1.6 – 2.1 2.1 –

Professional and related ............................................... 1.0 – – 2.2 2.2 – 3.6 3.6 –

Service .............................................................................. 0.7 – – 5.6 5.6 – 6.0 6.0 –

Protective service .......................................................... 1 ( ) – – 13.6 – – – 13.1 –

Sales and office ................................................................ 1.7 – – 2.0 2.0 – 1.8 1.8 –

Sales and related .......................................................... 1.0 – – 2.7 2.7 – 2.8 2.8 –

Office and administrative support ................................. 2.4 – – 2.7 2.7 – 2.4 2.4 –

Natural resources, construction, and maintenance ........... 0.8 – – 3.3 3.3 – 3.8 3.8 –

Construction, extraction, farming, fishing, and forestry 1.8 – – 6.3 6.3 – 7.3 7.3 –

Installation, maintenance, and repair ............................ 0.5 – – 3.9 3.9 – 4.3 4.3 –

Production, transportation, and material moving .............. 1.2 1.2 – 2.0 2.0 – 2.4 2.4 –

Production ..................................................................... 1.7 – – 2.5 2.5 – 2.7 2.7 –

Transportation and material moving ............................. 1.3 – – 2.6 2.6 – 3.0 3.0 –

Full time ............................................................................ 0.3 0.3 – 1.3 1.3 – 1.6 1.6 –

Part time ............................................................................ 6.5 – – 6.1 – – 4.4 4.4 –

Union ................................................................................. 1.4 1.4 – 2.1 2.1 – 2.1 2.1 –

Nonunion ........................................................................... 0.7 – – 1.6 1.6 – 1.8 1.8 –

Average wage within the following categories:2

Lowest 25 percent ......................................................... 3.3 – – 3.8 3.8 – 3.2 3.2 –

Second 25 percent ........................................................ 0.7 0.7 – 2.4 2.4 – 2.5 2.5 –

Third 25 percent ............................................................ 0.6 0.6 – 2.6 2.6 – 2.3 2.3 –

Highest 25 percent ........................................................ 0.6 – – 1.4 1.4 – 1.9 1.9 –

Highest 10 percent .................................................... 0.6 – – 1.8 1.8 – 2.3 2.3 –

Establishment characteristic

Goods-producing industries .............................................. 1.0 – – 1.9 1.9 – 1.9 1.9 –

Construction .................................................................. 1.4 – – 5.4 5.4 – 5.8 5.8 –

Manufacturing ............................................................... 1.1 – – 1.9 1.9 – 2.0 2.0 –

Service-providing industries .............................................. 0.8 – – 1.5 1.5 – 1.9 1.9 –

Trade, transportation, and utilities ................................. 0.9 – – 1.8 1.8 – 2.3 2.3 –

Wholesale trade ........................................................ 0.3 – – 3.3 3.3 – 4.8 4.8 –

Transportation and warehousing .............................. 2.3 – – 4.9 4.9 – 5.6 5.6 –

Information .................................................................... 0.8 – – 5.7 5.7 – 5.4 5.4 –

Financial activities ......................................................... 0.8 – – 3.0 3.0 – 3.4 3.4 –

Finance and insurance .............................................. 0.9 – – 2.8 2.8 – 3.4 3.4 –

Credit intermediation and related activities ........... 0.5 – – 3.4 3.4 – 5.0 5.0 –

Insurance carriers and related activities ............... 2.2 – – 5.1 5.1 – 4.1 4.1 –

Professional and business services .............................. 3.0 – – 3.5 3.5 – 4.4 4.4 –

Education and health services ...................................... 1.3 – – 4.0 4.0 – 4.7 4.7 –

Educational services ................................................. 0.5 – – 3.7 3.7 – 4.4 4.4 –

Junior colleges, colleges, and universities ............ 0.5 – – 2.9 2.9 – 4.3 4.3 –

Health care and social assistance ............................ 1.6 – – 4.8 4.8 – 5.4 5.4 –

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

Compensation Survey, 2010—Continued

Characteristics

Plan network Allow non-emergency services

outside network Require primary care physician

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

1 to 99 workers ................................................................. 0.6 0.6 – 2.4 2.4 – 2.3 2.3 –

1 to 49 workers ............................................................. 0.6 – – 3.1 3.1 – 2.6 2.6 –

50 to 99 workers ........................................................... 1.4 – – 3.3 3.3 – 4.7 4.7 –

100 workers or more ......................................................... 0.9 0.9 – 1.3 1.3 – 2.2 2.2 –

100 to 499 workers ....................................................... 1.0 – – 1.8 1.8 – 2.0 2.0 –

500 workers or more ..................................................... 1.5 – – 2.3 2.3 – 3.4 3.4 –

Geographic area

New England ..................................................................... 1.0 – – 5.5 5.5 – 5.0 5.0 –

Middle Atlantic ................................................................... 1.3 – – 2.2 2.2 – 2.7 2.7 –

East North Central ............................................................ 0.6 0.6 – 3.0 3.0 – 6.0 6.0 –

West North Central ........................................................... 3.0 – – 3.6 – – 3.5 3.5 –

South Atlantic .................................................................... 0.7 – – 2.0 2.0 – 3.3 3.3 –

East South Central ............................................................ 3.3 – – 4.2 – – – 2.9 –

West South Central ........................................................... 0.3 – – 1.9 1.9 – 1.8 1.8 –

Mountain ........................................................................... 6.3 – – 6.8 6.8 – 4.0 4.0 –

Pacific ............................................................................... 1.1 – – 5.5 5.5 – 4.6 4.6 –

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

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

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

Earnings in the United States, 2009." See Technical Note for more details.

NOTE: Dashes indicate that no data were reported or that data do not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 3. Medical care benefits: Summary of high deductible1

 and consumer-driven health plans,2 private

industry workers, National Compensation Survey, 2010

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

Characteristics

High

deductible

health plans

Non-high

deductible health

plans3

Consumer-driven

health plans2

Non-consumerdriven health

plans

Consumer-driven

health plans with a

high deductible

component

Worker characteristic

All workers ........................................................................ 24 76 11 89 10

Management, professional, and related ............................ 24 76 11 89 10

Management, business, and financial ........................... 26 74 11 89 11

Professional and related ............................................... 22 78 10 90 10

Service .............................................................................. 19 81 – – –

Sales and office ................................................................ 27 73 13 87 13

Sales and related .......................................................... 24 76 10 90 9

Office and administrative support ................................. 28 72 15 85 14

Natural resources, construction, and maintenance ........... 24 76 6 94 6

Construction, extraction, farming, fishing, and forestry 31 69 – – –

Installation, maintenance, and repair ............................ 19 81 – – –

Production, transportation, and material moving .............. 24 76 11 89 11

Production ..................................................................... 24 76 10 90 10

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

Full time ............................................................................ 25 75 11 89 11

Part time ............................................................................ 15 85 7 93 6

Union ................................................................................. 8 92 5 95 5

Nonunion ........................................................................... 27 73 12 88 11

Average wage within the following categories:4

Lowest 25 percent ......................................................... 32 68 13 87 –

Second 25 percent ........................................................ 25 75 9 91 9

Third 25 percent ............................................................ 26 74 12 88 12

Highest 25 percent ........................................................ 19 81 10 90 10

Highest 10 percent .................................................... 19 81 11 89 10

Establishment characteristic

Goods-producing industries .............................................. 23 77 10 90 10

Construction .................................................................. 38 62 – – 11

Manufacturing ............................................................... 19 81 11 89 10

Service-providing industries .............................................. 25 75 11 89 10

Trade, transportation, and utilities ................................. 23 77 10 90 10

Wholesale trade ........................................................ 22 78 – – –

Information .................................................................... 17 83 – – 9

Financial activities ......................................................... 27 73 19 81 18

Finance and insurance .............................................. 27 73 19 81 17

Credit intermediation and related activities ........... 26 74 18 82 16

Insurance carriers and related activities ............... 32 68 24 76 23

Professional and business services .............................. 26 74 10 90 10

Education and health services ...................................... 27 73 9 91 9

Educational services ................................................. 23 77 – – –

Junior colleges, colleges, and universities ............ 16 84 7 93 7

Health care and social assistance ............................ 28 72 9 91 9

See footnotes at end of table.
Table 3. Medical care benefits: Summary of high deductible1

 and consumer-driven health plans,2 private

industry workers, National Compensation Survey, 2010—Continued

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

Characteristics

High

deductible

health plans

Non-high

deductible health

plans3

Consumer-driven

health plans2

Non-consumerdriven health

plans

Consumer-driven

health plans with a

high deductible

component

1 to 99 workers ................................................................. 34 66 14 86 14

1 to 49 workers ............................................................. 35 65 13 87 13

50 to 99 workers ........................................................... 34 66 16 84 16

100 workers or more ......................................................... 17 83 9 91 8

100 to 499 workers ....................................................... 21 79 10 90 10

500 workers or more ..................................................... 13 87 7 93 7

Geographic area

New England ..................................................................... 22 78 6 94 6

Middle Atlantic ................................................................... 11 89 – – –

East North Central ............................................................ 22 78 14 86 13

West North Central ........................................................... 28 72 16 84 15

South Atlantic .................................................................... 35 65 14 86 13

East South Central ............................................................ 20 80 6 94 –

West South Central ........................................................... 38 62 – – –

Mountain ........................................................................... 28 72 – – –

Pacific ............................................................................... 16 84 9 91 9

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 $1,000 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. The

estimates for HDHP plans should not be compared with data from previous years

due to changes in the definition. 2 A consumer-driven health plan (CDHP) is a health plan that combines a

major-medical health policy that provides protection from catastrophic medical

expenses with a tax-favored account to pay routine health care expenses such as

prescriptions and doctor’s visits. 3 Non-high deductible plans include not determinable and other plans, which

may actually be high-deductible plans. 4 The categories are based on the average wage for each occupation surveyed,

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

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

Survey: Occupational Earnings in the United States, 2009." See Technical Note for

more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dashes

indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 3. Standard errors for medical care benefits: Summary of high deductible1

 and consumer-driven health

plans,2 private industry workers, National Compensation Survey, 2010

Characteristics

High

deductible

health plans

Non-high

deductible health

plans3

Consumer-driven

health plans2

Non-consumerdriven health

plans

Consumer-driven

health plans with a

high deductible

component

Worker characteristic

All workers ........................................................................ 1.2 1.2 1.0 1.0 1.0

Management, professional, and related ............................ 2.5 2.5 1.5 1.5 1.5

Management, business, and financial ........................... 2.8 2.8 1.5 1.5 1.4

Professional and related ............................................... 3.1 3.1 1.9 1.9 1.9

Service .............................................................................. 3.2 3.2 – – –

Sales and office ................................................................ 1.8 1.8 1.4 1.4 1.4

Sales and related .......................................................... 2.9 2.9 2.1 2.1 2.0

Office and administrative support ................................. 2.3 2.3 1.9 1.9 1.9

Natural resources, construction, and maintenance ........... 3.4 3.4 1.5 1.5 1.5

Construction, extraction, farming, fishing, and forestry 6.2 6.2 – – –

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

Production, transportation, and material moving .............. 2.9 2.9 2.4 2.4 2.4

Production ..................................................................... 2.9 2.9 2.1 2.1 2.1

Transportation and material moving ............................. 5.7 5.7 – – –

Full time ............................................................................ 1.2 1.2 1.1 1.1 1.1

Part time ............................................................................ 3.2 3.2 1.5 1.5 1.5

Union ................................................................................. 1.4 1.4 1.2 1.2 1.1

Nonunion ........................................................................... 1.3 1.3 1.2 1.2 1.1

Average wage within the following categories:4

Lowest 25 percent ......................................................... 4.1 4.1 4.0 4.0 –

Second 25 percent ........................................................ 2.1 2.1 1.4 1.4 1.4

Third 25 percent ............................................................ 1.9 1.9 1.2 1.2 1.2

Highest 25 percent ........................................................ 1.9 1.9 1.5 1.5 1.5

Highest 10 percent .................................................... 2.7 2.7 2.5 2.5 2.5

Establishment characteristic

Goods-producing industries .............................................. 2.2 2.2 1.6 1.6 1.5

Construction .................................................................. 5.1 5.1 – – 3.2

Manufacturing ............................................................... 2.6 2.6 2.1 2.1 2.0

Service-providing industries .............................................. 1.5 1.5 1.2 1.2 1.2

Trade, transportation, and utilities ................................. 2.7 2.7 2.5 2.5 2.5

Wholesale trade ........................................................ 4.6 4.6 – – –

Information .................................................................... 3.9 3.9 – – 2.2

Financial activities ......................................................... 3.3 3.3 2.9 2.9 2.9

Finance and insurance .............................................. 3.0 3.0 2.6 2.6 2.4

Credit intermediation and related activities ........... 5.4 5.4 4.6 4.6 4.6

Insurance carriers and related activities ............... 4.5 4.5 3.8 3.8 3.6

Professional and business services .............................. 3.6 3.6 2.5 2.5 2.5

Education and health services ...................................... 4.3 4.3 2.3 2.3 2.3

Educational services ................................................. 5.1 5.1 – – –

Junior colleges, colleges, and universities ............ 3.3 3.3 2.1 2.1 2.1

Health care and social assistance ............................ 5.0 5.0 2.6 2.6 2.6

See footnotes at end of table.
Table 3. Standard errors for medical care benefits: Summary of high deductible1

 and consumer-driven health

plans,2 private industry workers, National Compensation Survey, 2010—Continued

Characteristics

High

deductible

health plans

Non-high

deductible health

plans3

Consumer-driven

health plans2

Non-consumerdriven health

plans

Consumer-driven

health plans with a

high deductible

component

1 to 99 workers ................................................................. 2.1 2.1 2.2 2.2 2.1

1 to 49 workers ............................................................. 1.9 1.9 2.7 2.7 2.6

50 to 99 workers ........................................................... 4.8 4.8 4.1 4.1 4.1

100 workers or more ......................................................... 1.2 1.2 0.8 0.8 0.8

100 to 499 workers ....................................................... 2.1 2.1 1.3 1.3 1.3

500 workers or more ..................................................... 1.9 1.9 0.9 0.9 0.9

Geographic area

New England ..................................................................... 3.7 3.7 1.7 1.7 1.7

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

East North Central ............................................................ 3.1 3.1 2.7 2.7 2.6

West North Central ........................................................... 2.5 2.5 4.0 4.0 3.2

South Atlantic .................................................................... 3.4 3.4 2.0 2.0 2.0

East South Central ............................................................ 6.0 6.0 1.9 1.9 –

West South Central ........................................................... 2.3 2.3 – – –

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

Pacific ............................................................................... 2.3 2.3 1.7 1.7 1.5

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 $1,000 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. The

estimates for HDHP plans should not be compared with data from previous years

due to changes in the definition. 2 A consumer-driven health plan (CDHP) is a health plan that combines a

major-medical health policy that provides protection from catastrophic medical

expenses with a tax-favored account to pay routine health care expenses such as

prescriptions and doctor’s visits. 3 Non-high deductible plans include not determinable and other plans, which

may actually be high-deductible plans. 4 The categories are based on the average wage for each occupation surveyed,

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

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

Survey: Occupational Earnings in the United States, 2009." See Technical Note for

more details.

NOTE: Dashes indicate that no data were reported or that data do not meet

publication criteria. For definitions of major plans, key provisions, and related terms,

see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 4. Non-high deductible health plans:1

 Amount of annual individual deductible, private industry workers, National Compensation

Survey, 2010

(All workers participating in non-high deductible health 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 76 $150 $250 $300 $500 $500 24 2 ( )

Management, professional, and related ............................ 100 76 – – – – – 24 2 ( )

Management, business, and financial ........................... 100 78 150 250 300 500 500 22 2 ( )

Professional and related ............................................... 100 75 100 200 300 500 600 24 2 ( )

Service .............................................................................. 100 66 – – – – – 34 –

Sales and office ................................................................ 100 78 200 250 350 500 500 22 2 ( )

Sales and related .......................................................... 100 85 250 300 350 500 500 15 2 ( )

Office and administrative support ................................. 100 75 150 250 300 500 500 25 –

Natural resources, construction, and maintenance ........... 100 76 200 250 300 500 500 24 –

Construction, extraction, farming, fishing, and forestry 100 77 200 250 400 500 500 – –

Installation, maintenance, and repair ............................ 100 75 150 250 300 500 600 25 –

Production, transportation, and material moving .............. 100 80 150 250 300 500 650 20 2 ( )

Production ..................................................................... 100 79 200 250 300 500 500 20 2 ( )

Transportation and material moving ............................. 100 80 150 250 350 500 700 20 –

Full time ............................................................................ 100 76 150 250 300 500 500 24 2 ( )

Part time ............................................................................ 100 81 150 250 350 500 500 – –

Union ................................................................................. 100 73 150 200 250 400 500 27 –

Nonunion ........................................................................... 100 77 200 250 350 500 500 23 2 ( )

Average wage within the following categories:3

Lowest 25 percent ......................................................... 100 81 250 250 350 500 650 19 –

Second 25 percent ........................................................ 100 77 150 250 350 500 500 23 2 ( )

Third 25 percent ............................................................ 100 75 150 250 300 500 500 25 –

Highest 25 percent ........................................................ 100 75 – – – – – 25 2 ( )

Highest 10 percent .................................................... 100 77 150 250 300 500 600 22 1

Establishment characteristic

Goods-producing industries .............................................. 100 77 200 250 300 500 500 23 1

Construction .................................................................. 100 70 200 200 300 500 500 30 –

Manufacturing ............................................................... 100 78 200 250 300 500 500 21 1

Service-providing industries .............................................. 100 76 150 250 350 500 500 24 2 ( )

Trade, transportation, and utilities ................................. 100 83 150 250 350 500 550 17 –

Wholesale trade ........................................................ 100 85 200 250 350 500 – 15 –

Information .................................................................... 100 73 200 250 300 500 500 27 –

Financial activities ......................................................... 100 68 150 250 300 500 500 32 2 ( )

Finance and insurance .............................................. 100 70 150 250 300 500 500 30 2 ( )

Credit intermediation and related activities ........... 100 69 200 300 500 500 750 31 –

Insurance carriers and related activities ............... 100 73 150 250 300 500 500 27 2 ( )

Professional and business services .............................. 100 84 200 250 350 500 750 16 –

Education and health services ...................................... 100 69 – – – – – 31 –

Educational services ................................................. 100 69 – – – – – 31 –

Junior colleges, colleges, and universities ............ 100 62 200 250 300 500 500 38 –

Health care and social assistance ............................ 100 69 – – – – – 31 –

See footnotes at end of table.
Table 4. Non-high deductible health plans:1

 Amount of annual individual deductible, private industry workers, National Compensation

Survey, 2010—Continued

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

Characteristics Total With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 100 71 $200 $250 $350 $500 $500 28 2 ( )

1 to 49 workers ............................................................. 100 71 200 300 400 500 600 29 2 ( )

50 to 99 workers ........................................................... 100 73 200 250 350 500 500 25 2

100 workers or more ......................................................... 100 79 150 250 300 500 500 21 –

100 to 499 workers ....................................................... 100 83 200 250 300 500 500 17 –

500 workers or more ..................................................... 100 75 100 200 300 500 550 25 –

Geographic area

New England ..................................................................... 100 63 200 250 250 500 750 36 1

Middle Atlantic ................................................................... 100 70 – – – – – 30 –

East North Central ............................................................ 100 81 – – – – – 18 1

West North Central ........................................................... 100 83 200 250 350 500 750 17 –

South Atlantic .................................................................... 100 83 250 250 350 500 700 17 –

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

West South Central ........................................................... 100 89 150 250 400 500 600 11 –

Mountain ........................................................................... 100 68 – – – – – 32 –

Pacific ............................................................................... 100 63 200 250 300 500 500 37 –

1 Non-high deductible plans include not determinable and other plans, which may actually be

high-deductible plans. 2 Less than 0.5. 3 The categories are based on the average wage for each occupation surveyed, which may include

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

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

2009." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data

were reported or that data do not meet publication criteria. For definitions of major plans, key provisions,

and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 4. Standard errors for non-high deductible health plans:1

 Amount of annual individual deductible, private industry workers,

National Compensation Survey, 2010

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 1.3 $49 $0 $44 $0 $76 1.3 0.1

Management, professional, and related ............................ 2.0 – – – – – 2.0 0.3

Management, business, and financial ........................... 2.0 28 14 42 0 181 2.2 0.4

Professional and related ............................................... 2.7 0 74 50 34 162 2.7 0.2

Service .............................................................................. 3.0 – – – – – 3.0 –

Sales and office ................................................................ 2.5 0 0 0 0 0 2.5 2 ( )

Sales and related .......................................................... 2.4 17 0 0 0 0 2.4 2 ( )

Office and administrative support ................................. 3.4 40 0 29 0 20 3.4 –

Natural resources, construction, and maintenance ........... 3.5 63 37 87 0 20 3.5 –

Construction, extraction, farming, fishing, and forestry 7.0 0 60 86 0 0 – –

Installation, maintenance, and repair ............................ 4.3 75 42 39 0 169 4.3 –

Production, transportation, and material moving .............. 2.3 33 0 61 0 141 2.3 0.2

Production ..................................................................... 2.4 43 0 52 0 203 2.3 0.4

Transportation and material moving ............................. 3.5 0 0 68 0 176 3.5 –

Full time ............................................................................ 1.2 47 0 22 0 92 1.3 0.1

Part time ............................................................................ 6.4 75 51 0 125 59 – –

Union ................................................................................. 2.2 63 0 0 60 28 2.2 –

Nonunion ........................................................................... 1.5 71 0 34 0 106 1.5 0.2

Average wage within the following categories:3

Lowest 25 percent ......................................................... 4.3 64 61 10 0 193 4.3 –

Second 25 percent ........................................................ 2.9 49 0 42 0 0 2.9 0.1

Third 25 percent ............................................................ 2.5 57 0 37 0 0 2.5 –

Highest 25 percent ........................................................ 1.6 – – – – – 1.6 0.3

Highest 10 percent .................................................... 2.3 44 26 0 0 178 2.4 0.6

Establishment characteristic

Goods-producing industries .............................................. 2.0 50 0 0 0 40 2.0 0.6

Construction .................................................................. 6.6 60 53 92 0 0 6.6 –

Manufacturing ............................................................... 2.1 53 0 0 0 97 2.1 0.7

Service-providing industries .............................................. 1.5 66 0 58 0 126 1.5 2 ( )

Trade, transportation, and utilities ................................. 1.6 46 0 0 0 188 1.6 –

Wholesale trade ........................................................ 2.7 75 0 96 0 – 2.7 –

Information .................................................................... 6.7 28 61 51 54 20 6.7 –

Financial activities ......................................................... 3.5 55 0 24 0 39 3.5 2 ( )

Finance and insurance .............................................. 3.5 22 17 67 0 114 3.5 2 ( )

Credit intermediation and related activities ........... 3.3 91 14 47 0 71 3.3 –

Insurance carriers and related activities ............... 6.9 51 10 10 127 0 6.9 0.1

Professional and business services .............................. 4.6 33 0 72 0 59 4.6 –

Education and health services ...................................... 3.8 – – – – – 3.8 –

Educational services ................................................. 3.8 – – – – – 3.8 –

Junior colleges, colleges, and universities ............ 2.8 89 0 91 52 59 2.8 –

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

See footnotes at end of table.
Table 4. Standard errors for non-high deductible health plans:1

 Amount of annual individual deductible, private industry workers,

National Compensation Survey, 2010—Continued

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 2.7 $10 $42 $73 $0 $116 2.7 0.4

1 to 49 workers ............................................................. 3.4 64 59 114 0 190 3.4 2 ( )

50 to 99 workers ........................................................... 4.5 0 14 52 0 0 4.2 1.4

100 workers or more ......................................................... 1.6 71 17 0 0 84 1.6 –

100 to 499 workers ....................................................... 2.2 0 0 74 0 95 2.2 –

500 workers or more ..................................................... 2.4 0 67 44 98 115 2.4 –

Geographic area

New England ..................................................................... 10.2 28 0 56 225 41 9.5 0.7

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

East North Central ............................................................ 3.1 – – – – – 3.4 0.7

West North Central ........................................................... 2.8 22 50 35 0 156 2.8 –

South Atlantic .................................................................... 2.3 34 65 97 0 58 2.3 –

East South Central ............................................................ 3.5 – – – – – – –

West South Central ........................................................... 2.0 20 43 60 0 208 2.0 –

Mountain ........................................................................... 7.7 – – – – – 7.7 –

Pacific ............................................................................... 3.4 35 0 10 0 0 3.4 –

1 Non-high deductible plans include not determinable and other plans, which may actually be

high-deductible plans. 2 Less than 0.05. 3 The categories are based on the average wage for each occupation surveyed, which may

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

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

States, 2009." See Technical Note for more details.

NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 5. Fee-for-service plans: Summary of selected features, private industry workers, National Compensation Survey, 2010

(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 ( ) 77 23 – 81 17 2

Management, professional, and related ............................ 95 5 1 ( ) 76 24 – 80 16 4

Management, business, and financial ........................... 96 4 1 ( ) 78 22 – 79 17 4

Professional and related ............................................... 94 5 1 ( ) 74 26 – 81 15 4

Service .............................................................................. 88 – – 78 22 – 78 – –

Protective service .......................................................... 100 – – 76 – – 83 – –

Sales and office ................................................................ 95 – – 78 22 – 83 16 1 ( )

Sales and related .......................................................... 98 – – 87 13 – 87 12 1 ( )

Office and administrative support ................................. 93 – – 74 26 – 81 18 1 ( )

Natural resources, construction, and maintenance ........... 96 4 – 81 19 – 85 15 1

Construction, extraction, farming, fishing, and forestry 96 – – 71 29 – 76 – –

Installation, maintenance, and repair ............................ 95 – – 90 10 – 92 8 1 ( )

Production, transportation, and material moving .............. 94 6 1 ( ) 77 23 – 81 17 2

Production ..................................................................... 93 7 1 ( ) 82 18 – 83 14 3

Transportation and material moving ............................. 96 – – 71 29 – 79 21 1 ( )

Full time ............................................................................ 94 6 1 ( ) 77 23 – 82 16 2

Part time ............................................................................ 91 – – 78 22 – 80 – –

Union ................................................................................. 88 12 – 72 28 – 77 21 2

Nonunion ........................................................................... 95 5 1 ( ) 78 22 – 82 16 2

Average wage within the following categories:2

Lowest 25 percent ......................................................... 93 – – 80 20 – 82 18 1 ( )

Second 25 percent ........................................................ 95 5 1 ( ) 80 20 – 85 14 1

Third 25 percent ............................................................ 94 6 – 76 24 – 79 19 2

Highest 25 percent ........................................................ 94 6 1 ( ) 75 25 – 80 16 4

Highest 10 percent .................................................... 94 5 1 75 25 – 81 16 3

Establishment characteristic

Goods-producing industries .............................................. 94 5 1 82 18 – 85 11 4

Construction .................................................................. 97 – – 74 26 – 81 18 2

Manufacturing ............................................................... 93 6 1 84 16 – 85 10 4

Service-providing industries .............................................. 94 6 1 ( ) 76 24 – 80 18 1

Trade, transportation, and utilities ................................. 97 3 – 81 19 – 84 16 1 ( )

Wholesale trade ........................................................ 99 – – 73 27 – 77 22 1 ( )

Transportation and warehousing .............................. 94 – – 69 – – 83 – –

Information .................................................................... 94 – – 78 22 – 80 – –

Financial activities ......................................................... 88 12 1 ( ) 77 23 – 82 17 1

Finance and insurance .............................................. 89 11 1 ( ) 78 22 – 83 17 1 ( )

Credit intermediation and related activities ........... 90 10 – 80 20 – 80 20 –

Insurance carriers and related activities ............... 85 – – 74 26 – 84 16 1

Professional and business services .............................. 96 – – 71 29 – 79 21 –

Education and health services ...................................... 93 7 – 73 27 – 77 18 5

Educational services ................................................. 92 – – 67 33 – 73 26 1

Junior colleges, colleges, and universities ............ 92 8 – 62 38 – 64 34 2

Health care and social assistance ............................ 94 6 – 74 26 – 77 17 6

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

2010—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

1 to 99 workers ................................................................. 97 3 1 ( ) 73 27 – 79 19 3

1 to 49 workers ............................................................. 97 – – 73 27 – 76 21 3

50 to 99 workers ........................................................... 96 – – 73 27 – 87 – –

100 workers or more ......................................................... 92 8 – 80 20 – 83 16 1

100 to 499 workers ....................................................... 94 6 – 81 19 – 85 14 1

500 workers or more ..................................................... 91 9 – 78 22 – 81 17 2

Geographic area

New England ..................................................................... 91 – – 54 46 – 59 39 2

Middle Atlantic ................................................................... 89 11 – 62 38 – 61 38 1

East North Central ............................................................ 94 5 1 84 16 – 83 13 4

West North Central ........................................................... 93 – – 87 – – 87 12 1 ( )

South Atlantic .................................................................... 96 4 – 77 23 – 89 11 –

East South Central ............................................................ 94 – – 74 26 – 95 – –

West South Central ........................................................... 98 2 – 80 20 – 81 – –

Mountain ........................................................................... 93 – – 77 – – 79 – –

Pacific ............................................................................... 94 6 – 87 13 – 88 – –

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

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

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

States, 2009." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no

data were reported or that data do not meet publication criteria. For definitions of major plans, key

provisions, and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 5. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, National Compensation

Survey, 2010

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Worker characteristic

All workers ........................................................................ 0.9 0.8 0.1 1.6 1.6 – 1.4 1.7 0.9

Management, professional, and related ............................ 0.7 0.7 0.3 2.4 2.4 – 2.6 1.7 2.5

Management, business, and financial ........................... 0.8 0.8 0.3 2.4 2.4 – 2.4 2.0 1.8

Professional and related ............................................... 0.8 0.8 0.3 3.3 3.3 – 3.4 2.4 3.0

Service .............................................................................. 4.5 – – 3.8 3.8 – 6.9 – –

Protective service .......................................................... 0.4 – – 13.0 – – 12.8 – –

Sales and office ................................................................ 2.1 – – 1.9 1.9 – 2.0 2.2 0.2

Sales and related .......................................................... 0.7 – – 2.9 2.9 – 2.7 2.8 0.2

Office and administrative support ................................. 3.1 – – 2.3 2.3 – 2.6 2.7 0.2

Natural resources, construction, and maintenance ........... 1.2 1.2 – 3.7 3.7 – 3.2 3.2 0.4

Construction, extraction, farming, fishing, and forestry 1.8 – – 7.4 7.4 – 6.9 – –

Installation, maintenance, and repair ............................ 1.6 – – 2.5 2.5 – 2.1 2.1 0.1

Production, transportation, and material moving .............. 1.3 1.3 0.2 3.6 3.6 – 3.5 3.5 1.1

Production ..................................................................... 1.8 1.8 0.4 3.8 3.8 – 3.7 3.6 2.0

Transportation and material moving ............................. 1.7 – – 6.2 6.2 – 5.9 5.9 1 ( )

Full time ............................................................................ 0.6 0.6 0.1 1.7 1.7 – 1.3 1.6 1.0

Part time ............................................................................ 6.9 – – 4.3 4.3 – 7.0 – –

Union ................................................................................. 3.4 3.4 – 4.6 4.6 – 4.1 4.2 1.1

Nonunion ........................................................................... 0.8 0.8 0.1 1.7 1.7 – 1.4 1.7 1.0

Average wage within the following categories:2

Lowest 25 percent ......................................................... 3.4 – – 4.3 4.3 – 5.2 5.2 1 ( )

Second 25 percent ........................................................ 1.0 1.0 0.1 2.3 2.3 – 1.9 1.9 0.3

Third 25 percent ............................................................ 1.0 1.0 – 1.7 1.7 – 2.6 2.5 1.1

Highest 25 percent ........................................................ 0.9 0.8 0.3 2.4 2.4 – 2.2 1.8 1.8

Highest 10 percent .................................................... 1.0 0.7 0.6 3.6 3.6 – 2.7 2.3 1.6

Establishment characteristic

Goods-producing industries .............................................. 1.2 1.1 0.5 2.7 2.7 – 2.5 2.2 2.0

Construction .................................................................. 1.6 – – 5.4 5.4 – 5.2 4.7 1.3

Manufacturing ............................................................... 1.5 1.4 0.7 3.3 3.3 – 3.3 2.7 2.6

Service-providing industries .............................................. 1.1 1.1 1 ( ) 2.0 2.0 – 1.8 2.1 1.0

Trade, transportation, and utilities ................................. 0.8 0.8 – 3.0 3.0 – 3.0 3.0 0.1

Wholesale trade ........................................................ 0.6 – – 6.0 6.0 – 6.6 6.5 0.3

Transportation and warehousing .............................. 2.6 – – 10.6 – – 11.5 – –

Information .................................................................... 2.6 – – 6.4 6.4 – 7.1 – –

Financial activities ......................................................... 2.5 2.5 1 ( ) 3.7 3.7 – 2.5 2.4 0.9

Finance and insurance .............................................. 2.8 2.8 1 ( ) 3.2 3.2 – 2.7 2.7 1 ( )

Credit intermediation and related activities ........... 2.2 2.2 – 3.8 3.8 – 4.5 4.5 –

Insurance carriers and related activities ............... 6.4 – – 6.5 6.5 – 4.4 4.4 0.1

Professional and business services .............................. 3.8 – – 4.8 4.8 – 5.1 5.1 –

Education and health services ...................................... 1.6 1.6 – 3.9 3.9 – 4.6 3.0 4.5

Educational services ................................................. 3.3 – – 7.2 7.2 – 5.0 5.1 0.6

Junior colleges, colleges, and universities ............ 1.7 1.7 – 4.3 4.3 – 4.2 4.2 1.1

Health care and social assistance ............................ 1.9 1.9 – 4.8 4.8 – 5.6 3.6 5.4

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, 2010—Continued

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

1 to 99 workers ................................................................. 0.6 0.5 0.3 3.2 3.2 – 2.3 2.9 2.0

1 to 49 workers ............................................................. 0.9 – – 3.5 3.5 – 3.2 4.0 2.7

50 to 99 workers ........................................................... 1.8 – – 6.3 6.3 – 3.8 – –

100 workers or more ......................................................... 1.3 1.3 – 1.9 1.9 – 2.0 2.0 0.7

100 to 499 workers ....................................................... 1.9 1.9 – 2.2 2.2 – 2.1 2.1 0.2

500 workers or more ..................................................... 2.0 2.0 – 2.5 2.5 – 3.1 2.9 1.6

Geographic area

New England ..................................................................... 3.3 – – 7.8 7.8 – 6.7 6.8 1.5

Middle Atlantic ................................................................... 2.8 2.8 – 4.1 4.1 – 4.9 5.1 0.2

East North Central ............................................................ 1.7 1.5 0.7 2.9 2.9 – 2.9 2.9 2.5

West North Central ........................................................... 2.4 – – 4.1 – – 3.4 3.5 0.3

South Atlantic .................................................................... 1.0 1.0 – 4.0 4.0 – 2.2 2.2 –

East South Central ............................................................ 3.3 – – 7.7 7.7 – 1.6 – –

West South Central ........................................................... 0.2 0.2 – 5.7 5.7 – 2.1 – –

Mountain ........................................................................... 8.2 – – 7.1 – – 6.9 – –

Pacific ............................................................................... 1.5 1.5 – 1.5 1.5 – 6.0 – –

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

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

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

States, 2009." See Technical Note for more details.

NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 6. Fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National Compensation Survey, 2010

(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 – – 51 $500 $1,000 $300 – 6 1 ( )

Management, professional, and related ............................ 100 95 – – 56 500 1,000 300 – 5 1 ( )

Management, business, and financial ........................... 100 96 – – 59 500 1,000 300 – 4 1 ( )

Professional and related ............................................... 100 94 – – 54 500 800 300 – 5 1 ( )

Service .............................................................................. 100 88 – – 55 – – – – – –

Protective service .......................................................... 100 100 – – 81 – – – – – –

Sales and office ................................................................ 100 95 – – 47 500 1,000 300 – – –

Sales and related .......................................................... 100 98 60 $350 – – – – – – –

Office and administrative support ................................. 100 93 – – 52 500 1,000 – – – –

Natural resources, construction, and maintenance ........... 100 96 – – 49 500 – – – 4 –

Construction, extraction, farming, fishing, and forestry 100 96 – – 53 – – – – – –

Installation, maintenance, and repair ............................ 100 95 47 500 – – – – – – –

Production, transportation, and material moving .............. 100 94 – – 51 500 1,000 – – 6 1 ( )

Production ..................................................................... 100 93 – – 52 500 1,000 – – 7 1 ( )

Transportation and material moving ............................. 100 96 – – 50 500 – – – – –

Full time ............................................................................ 100 94 – – 52 500 1,000 300 – 6 1 ( )

Part time ............................................................................ 100 91 47 350 44 500 500 300 – – –

Union ................................................................................. 100 88 – – 49 250 500 – – 12 –

Nonunion ........................................................................... 100 95 – – 52 500 1,000 300 – 5 1 ( )

Average wage within the following categories:2

Lowest 25 percent ......................................................... 100 93 47 500 – – – – – – –

Second 25 percent ........................................................ 100 95 – – 51 500 1,000 – – 5 1 ( )

Third 25 percent ............................................................ 100 94 – – 51 500 1,000 300 – 6 –

Highest 25 percent ........................................................ 100 94 – – 55 500 750 300 – 6 1 ( )

Highest 10 percent .................................................... 100 94 – – 55 500 800 – – 5 1

Establishment characteristic

Goods-producing industries .............................................. 100 94 – – 55 500 1,000 – – 5 1

Construction .................................................................. 100 97 39 500 58 – – – – – –

Manufacturing ............................................................... 100 93 – – 54 500 800 300 – 6 1

Service-providing industries .............................................. 100 94 – – 50 500 1,000 300 – 6 1 ( )

Trade, transportation, and utilities ................................. 100 97 52 350 – – – – – 3 –

Wholesale trade ........................................................ 100 99 – – 53 500 – – – – –

Transportation and warehousing .............................. 100 94 37 – 56 500 500 100 – – –

Information .................................................................... 100 94 48 – – – – – – – –

Financial activities ......................................................... 100 88 – – 49 500 900 – – 12 1 ( )

Finance and insurance .............................................. 100 89 – – 50 500 900 – – 11 1 ( )

Credit intermediation and related activities ........... 100 90 – – 49 500 – – – 10 –

Insurance carriers and related activities ............... 100 85 – – 45 – – – – – –

Professional and business services .............................. 100 96 38 – 58 – 1,000 – – – –

Education and health services ...................................... 100 93 – – 49 500 1,000 250 – 7 –

Educational services ................................................. 100 92 – – 55 500 – 400 – – –

Junior colleges, colleges, and universities ............ 100 92 – – 66 500 500 400 – 8 –

Health care and social assistance ............................ 100 94 46 1,000 48 500 1,000 250 – 6 –

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,

2010—Continued

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

Characteristics Total

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

1 to 99 workers ................................................................. 100 97 – – 54 – – – – 3 1 ( )

1 to 49 workers ............................................................. 100 97 – – 55 – $1,500 – – – –

50 to 99 workers ........................................................... 100 96 – – 53 $500 1,000 – – – –

100 workers or more ......................................................... 100 92 – – 50 500 1,000 $250 – 8 –

100 to 499 workers ....................................................... 100 94 48 $350 – – – – – 6 –

500 workers or more ..................................................... 100 91 – – 54 500 600 250 – 9 –

Geographic area

New England ..................................................................... 100 91 38 – 53 – – – – – –

Middle Atlantic ................................................................... 100 89 – – 60 300 500 – – 11 –

East North Central ............................................................ 100 94 – – 51 500 1,000 250 – 5 1

West North Central ........................................................... 100 93 – – 50 750 – – – – –

South Atlantic .................................................................... 100 96 – – 55 650 1,500 – – 4 –

East South Central ............................................................ 100 94 – – 51 – – 300 – – –

West South Central ........................................................... 100 98 – – 56 – 1,000 – – 2 –

Mountain ........................................................................... 100 93 – – 55 500 – 300 – – –

Pacific ............................................................................... 100 94 61 – – – – – – 6 –

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

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

"National Compensation Survey: Occupational Earnings in the United States, 2009." See Technical Note for more

details.

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

reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related terms,

see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 6. Standard errors for fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National

Compensation Survey, 2010

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 ........................................................................ 0.9 – – 2.0 $0 $0 $0 – 0.8 0.1

Management, professional, and related ............................ 0.7 – – 3.1 0 195 35 – 0.7 0.3

Management, business, and financial ........................... 0.8 – – 3.2 20 0 83 – 0.8 0.3

Professional and related ............................................... 0.8 – – 4.2 0 193 47 – 0.8 0.3

Service .............................................................................. 4.5 – – 6.4 – – – – – –

Protective service .......................................................... 0.4 – – 9.7 – – – – – –

Sales and office ................................................................ 2.1 – – 2.9 10 0 28 – – –

Sales and related .......................................................... 0.7 3.6 $0 – – – – – – –

Office and administrative support ................................. 3.1 – – 3.6 139 0 – – – –

Natural resources, construction, and maintenance ........... 1.2 – – 5.1 0 – – – 1.2 –

Construction, extraction, farming, fishing, and forestry 1.8 – – 8.1 – – – – – –

Installation, maintenance, and repair ............................ 1.6 5.9 110 – – – – – – –

Production, transportation, and material moving .............. 1.3 – – 4.1 10 63 – – 1.3 0.2

Production ..................................................................... 1.8 – – 3.9 88 0 – – 1.8 0.4

Transportation and material moving ............................. 1.7 – – 7.3 0 – – – – –

Full time ............................................................................ 0.6 – – 2.0 0 0 0 – 0.6 0.1

Part time ............................................................................ 6.9 6.2 0 6.3 68 116 44 – – –

Union ................................................................................. 3.4 – – 5.0 46 0 – – 3.4 –

Nonunion ........................................................................... 0.8 – – 2.2 10 0 10 – 0.8 0.1

Average wage within the following categories:1

Lowest 25 percent ......................................................... 3.4 5.4 107 – – – – – – –

Second 25 percent ........................................................ 1.0 – – 2.9 0 0 – – 1.0 0.1

Third 25 percent ............................................................ 1.0 – – 3.2 78 0 17 – 1.0 –

Highest 25 percent ........................................................ 0.9 – – 2.6 0 137 46 – 0.8 0.3

Highest 10 percent .................................................... 1.0 – – 3.6 0 224 – – 0.7 0.6

Establishment characteristic

Goods-producing industries .............................................. 1.2 – – 2.8 0 211 – – 1.1 0.5

Construction .................................................................. 1.6 7.0 0 7.1 – – – – – –

Manufacturing ............................................................... 1.5 – – 3.4 0 186 0 – 1.4 0.7

Service-providing industries .............................................. 1.1 – – 2.4 0 0 10 – 1.1 2 ( )

Trade, transportation, and utilities ................................. 0.8 2.8 78 – – – – – 0.8 –

Wholesale trade ........................................................ 0.6 – – 5.6 0 – – – – –

Transportation and warehousing .............................. 2.6 9.6 – 8.9 94 71 0 – – –

Information .................................................................... 2.6 7.9 – – – – – – – –

Financial activities ......................................................... 2.5 – – 3.9 28 179 – – 2.5 2 ( )

Finance and insurance .............................................. 2.8 – – 3.7 103 201 – – 2.8 2 ( )

Credit intermediation and related activities ........... 2.2 – – 4.8 107 – – – 2.2 –

Insurance carriers and related activities ............... 6.4 – – 6.2 – – – – – –

Professional and business services .............................. 3.8 5.8 – 5.6 – 209 – – – –

Education and health services ...................................... 1.6 – – 5.5 53 93 68 – 1.6 –

Educational services ................................................. 3.3 – – 7.3 84 – 44 – – –

Junior colleges, colleges, and universities ............ 1.7 – – 5.3 39 44 44 – 1.7 –

Health care and social assistance ............................ 1.9 6.3 287 6.4 56 116 61 – 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, 2010—Continued

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

1 to 99 workers ................................................................. 0.6 – – 3.5 – – – – 0.5 0.3

1 to 49 workers ............................................................. 0.9 – – 3.9 – $437 – – – –

50 to 99 workers ........................................................... 1.8 – – 6.2 $20 142 – – – –

100 workers or more ......................................................... 1.3 – – 2.1 0 152 $35 – 1.3 –

100 to 499 workers ....................................................... 1.9 3.0 $0 – – – – – 1.9 –

500 workers or more ..................................................... 2.0 – – 2.5 50 110 46 – 2.0 –

Geographic area

New England ..................................................................... 3.3 8.9 – 11.4 – – – – – –

Middle Atlantic ................................................................... 2.8 – – 6.3 47 0 – – 2.8 –

East North Central ............................................................ 1.7 – – 2.7 0 0 75 – 1.5 0.7

West North Central ........................................................... 2.4 – – 3.8 72 – – – – –

South Atlantic .................................................................... 1.0 – – 3.8 138 272 – – 1.0 –

East South Central ............................................................ 3.3 – – 6.8 – – 60 – – –

West South Central ........................................................... 0.2 – – 3.6 – 173 – – 0.2 –

Mountain ........................................................................... 8.2 – – 11.2 34 – 0 – – –

Pacific ............................................................................... 1.5 8.9 – – – – – – 1.5 –

1 The categories are based on the average wage for each occupation surveyed, which may include

workers with earnings both above and below the threshold. The average wages are based on the estimates

published in the "National Compensation Survey: Occupational Earnings in the United States, 2009." See

Technical Note for more details. 2 Less than 0.05.

NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions

of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 7. Fee-for-service plans: Amount of annual individual deductible, private industry workers, National Compensation Survey, 2010

(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 $200 $300 $500 $1,000 $2,000 6 1 ( )

Management, professional, and related ............................ 100 95 200 300 500 1,250 2,000 5 1 ( )

Management, business, and financial ........................... 100 96 200 300 500 1,250 2,100 4 1 ( )

Professional and related ............................................... 100 94 250 300 500 1,400 2,000 5 1 ( )

Service .............................................................................. 100 88 250 300 500 1,000 2,500 – –

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

Sales and office ................................................................ 100 95 250 300 500 1,000 2,300 – –

Sales and related .......................................................... 100 98 250 350 350 1,000 2,000 – –

Office and administrative support ................................. 100 93 250 300 500 1,200 2,500 – –

Natural resources, construction, and maintenance ........... 100 96 200 250 500 1,000 2,000 4 –

Construction, extraction, farming, fishing, and forestry 100 96 – – – – –– –

Installation, maintenance, and repair ............................ 100 95 200 250 500 750 1,500 – –

Production, transportation, and material moving .............. 100 94 200 300 500 1,000 2,500 6 1 ( )

Production ..................................................................... 100 93 200 250 500 1,000 2,000 7 1 ( )

Transportation and material moving ............................. 100 96 – – – – –– –

Full time ............................................................................ 100 94 200 300 500 1,100 2,000 6 1 ( )

Part time ............................................................................ 100 91 250 300 350 750 2,000 – –

Union ................................................................................. 100 88 150 200 300 500 1,000 12 –

Nonunion ........................................................................... 100 95 250 300 500 1,200 2,500 5 1 ( )

Average wage within the following categories:2

Lowest 25 percent ......................................................... 100 93 250 350 500 1,500 2,500 – –

Second 25 percent ........................................................ 100 95 250 300 500 1,000 2,000 5 1 ( )

Third 25 percent ............................................................ 100 94 200 300 500 1,100 2,000 6 –

Highest 25 percent ........................................................ 100 94 200 250 500 1,000 2,000 6 1 ( )

Highest 10 percent .................................................... 100 94 200 250 500 1,000 2,000 5 1

Establishment characteristic

Goods-producing industries .............................................. 100 94 200 250 500 1,000 2,000 5 1

Construction .................................................................. 100 97 – – – – –– –

Manufacturing ............................................................... 100 93 200 250 400 1,000 1,800 6 1

Service-providing industries .............................................. 100 94 250 300 500 1,200 2,500 6 1 ( )

Trade, transportation, and utilities ................................. 100 97 200 300 500 1,000 2,500 3 –

Wholesale trade ........................................................ 100 99 – – – – –– –

Transportation and warehousing .............................. 100 94 – – – – –– –

Information .................................................................... 100 94 – – – – –– –

Financial activities ......................................................... 100 88 250 300 500 1,250 1,600 12 1 ( )

Finance and insurance .............................................. 100 89 250 300 500 1,250 1,800 11 1 ( )

Credit intermediation and related activities ........... 100 90 – – – – – 10 –

Insurance carriers and related activities ............... 100 85 – – – – –– –

Professional and business services .............................. 100 96 250 300 500 1,500 2,500 – –

Education and health services ...................................... 100 93 250 300 600 1,500 2,500 7 –

Educational services ................................................. 100 92 – – – – –– –

Junior colleges, colleges, and universities ............ 100 92 200 250 500 1,000 1,500 8 –

Health care and social assistance ............................ 100 94 250 300 750 2,000 2,500 6 –

See footnotes at end of table.
Table 7. Fee-for-service plans: Amount of annual individual deductible, private industry workers, National Compensation Survey,

2010—Continued

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

Characteristics Total With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 100 97 $250 $350 $750 $1,500 $2,500 3 1 ( )

1 to 49 workers ............................................................. 100 97 250 400 750 1,500 2,500 – –

50 to 99 workers ........................................................... 100 96 200 300 500 1,500 2,500 – –

100 workers or more ......................................................... 100 92 200 250 400 880 1,500 8 –

100 to 499 workers ....................................................... 100 94 250 250 500 1,000 1,600 6 –

500 workers or more ..................................................... 100 91 175 250 350 750 1,500 9 –

Geographic area

New England ..................................................................... 100 91 250 250 – 1,000 1,500 – –

Middle Atlantic ................................................................... 100 89 200 250 300 500 1,500 11 –

East North Central ............................................................ 100 94 200 250 500 1,000 2,000 5 1

West North Central ........................................................... 100 93 250 300 500 1,500 2,000 – –

South Atlantic .................................................................... 100 96 250 350 600 1,250 2,500 4 –

East South Central ............................................................ 100 94 – – – – –– –

West South Central ........................................................... 100 98 200 350 750 1,500 2,500 2 –

Mountain ........................................................................... 100 93 250 300 500 1,500 2,600 – –

Pacific ............................................................................... 100 94 250 250 350 1,000 1,500 6 –

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

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

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

2009." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data

were reported or that data do not meet publication criteria. For definitions of major plans, key provisions,

and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 7. Standard errors for fee-for-service plans: Amount of annual individual deductible, private industry workers, National

Compensation Survey, 2010

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 ........................................................................ 0.9 $52 $0 $0 $172 $455 0.8 0.1

Management, professional, and related ............................ 0.7 40 45 0 313 29 0.7 0.3

Management, business, and financial ........................... 0.8 5 57 0 273 546 0.8 0.3

Professional and related ............................................... 0.8 63 42 63 319 0 0.8 0.3

Service .............................................................................. 4.5 54 65 63 69 500 – –

Protective service .......................................................... 0.4 – – – – – – –

Sales and office ................................................................ 2.1 10 0 0 167 457 – –

Sales and related .......................................................... 0.7 0 45 159 136 490 – –

Office and administrative support ................................. 3.1 57 0 0 188 537 – –

Natural resources, construction, and maintenance ........... 1.2 0 60 0 77 620 1.2 –

Construction, extraction, farming, fishing, and forestry 1.8 – – – – – – –

Installation, maintenance, and repair ............................ 1.6 87 0 125 114 463 – –

Production, transportation, and material moving .............. 1.3 37 67 0 216 601 1.3 0.2

Production ..................................................................... 1.8 49 60 0 0 491 1.8 0.4

Transportation and material moving ............................. 1.7 – – – – – – –

Full time ............................................................................ 0.6 40 10 0 145 613 0.6 0.1

Part time ............................................................................ 6.9 0 0 14 216 502 – –

Union ................................................................................. 3.4 14 0 64 0 240 3.4 –

Nonunion ........................................................................... 0.8 0 0 0 115 469 0.8 0.1

Average wage within the following categories:1

Lowest 25 percent ......................................................... 3.4 0 65 86 384 0 – –

Second 25 percent ........................................................ 1.0 43 0 0 0 115 1.0 0.1

Third 25 percent ............................................................ 1.0 20 10 0 192 526 1.0 –

Highest 25 percent ........................................................ 0.9 0 17 0 70 130 0.8 0.3

Highest 10 percent .................................................... 1.0 14 62 0 248 595 0.7 0.6

Establishment characteristic

Goods-producing industries .............................................. 1.2 0 14 0 0 78 1.1 0.5

Construction .................................................................. 1.6 – – – – – – –

Manufacturing ............................................................... 1.5 22 10 159 249 364 1.4 0.7

Service-providing industries .............................................. 1.1 37 0 0 154 587 1.1 2 ( )

Trade, transportation, and utilities ................................. 0.8 45 67 0 34 615 0.8 –

Wholesale trade ........................................................ 0.6 – – – – – – –

Transportation and warehousing .............................. 2.6 – – – – – – –

Information .................................................................... 2.6 – – – – – – –

Financial activities ......................................................... 2.5 28 0 0 171 315 2.5 2 ( )

Finance and insurance .............................................. 2.8 64 14 75 163 364 2.8 2 ( )

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

Insurance carriers and related activities ............... 6.4 – – – – – – –

Professional and business services .............................. 3.8 35 34 164 86 424 – –

Education and health services ...................................... 1.6 0 14 258 709 340 1.6 –

Educational services ................................................. 3.3 – – – – – – –

Junior colleges, colleges, and universities ............ 1.7 64 14 123 278 416 1.7 –

Health care and social assistance ............................ 1.9 0 31 358 648 254 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, 2010—Continued

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 0.6 $0 $57 $146 $488 $62 0.5 0.3

1 to 49 workers ............................................................. 0.9 31 116 168 617 28 – –

50 to 99 workers ........................................................... 1.8 64 60 153 519 260 – –

100 workers or more ......................................................... 1.3 0 0 95 211 56 1.3 –

100 to 499 workers ....................................................... 1.9 69 35 133 130 180 1.9 –

500 workers or more ..................................................... 2.0 47 0 68 140 166 2.0 –

Geographic area

New England ..................................................................... 3.3 0 73 – 29 279 – –

Middle Atlantic ................................................................... 2.8 0 0 42 111 377 2.8 –

East North Central ............................................................ 1.7 0 31 0 208 318 1.5 0.7

West North Central ........................................................... 2.4 66 10 0 357 115 – –

South Atlantic .................................................................... 1.0 0 0 152 340 240 1.0 –

East South Central ............................................................ 3.3 – – – – – – –

West South Central ........................................................... 0.2 58 67 304 451 408 0.2 –

Mountain ........................................................................... 8.2 0 45 209 612 162 – –

Pacific ............................................................................... 1.5 34 33 135 270 636 1.5 –

1 The categories are based on the average wage for each occupation surveyed, which may

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

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

States, 2009." See Technical Note for more details. 2 Less than 0.05.

NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 8. Fee-for-service plans: Type and amount of annual family deductible, private industry workers, National Compensation Survey, 2010

(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 90 – – 50 $1,200 $2,000 – – 10 1 ( )

Management, professional, and related ............................ 100 90 – – 54 1,000 2,000 – – 10 1 ( )

Management, business, and financial ........................... 100 92 – – 58 1,200 2,000 – – 8 1 ( )

Professional and related ............................................... 100 88 – – 52 1,000 1,600 – – 11 1 ( )

Service .............................................................................. 100 86 – – 55 1,000 3,800 – – – –

Protective service .......................................................... 100 99 – – 80 750 – – – – –

Sales and office ................................................................ 100 92 – – 46 1,400 – – – – –

Sales and related .......................................................... 100 96 58 $700 – – – – – – –

Office and administrative support ................................. 100 91 – – 51 – – – – – –

Natural resources, construction, and maintenance ........... 100 90 – – 45 1,500 – – – 10 –

Construction, extraction, farming, fishing, and forestry 100 89 – – 51 – – – – – –

Installation, maintenance, and repair ............................ 100 91 47 1,000 – – – – – – –

Production, transportation, and material moving .............. 100 89 – – 49 1,500 – – – 11 1 ( )

Production ..................................................................... 100 88 – – 50 1,500 – – – 12 1 ( )

Transportation and material moving ............................. 100 91 – – 47 1,500 – – – 9 –

Full time ............................................................................ 100 90 – – 50 – 2,000 $800 – 10 1 ( )

Part time ............................................................................ 100 89 46 700 43 1,000 1,500 900 – – –

Union ................................................................................. 100 82 – – 46 750 1,000 – – 18 –

Nonunion ........................................................................... 100 91 – – 51 1,500 3,000 – – 8 1 ( )

Average wage within the following categories:2

Lowest 25 percent ......................................................... 100 91 45 – – – – – – – –

Second 25 percent ........................................................ 100 92 – – 50 – – – – 8 1 ( )

Third 25 percent ............................................................ 100 88 – – 49 1,500 2,500 900 – 12 –

Highest 25 percent ........................................................ 100 90 – – 53 1,000 1,800 600 – 10 1 ( )

Highest 10 percent .................................................... 100 92 – – 54 1,000 1,900 600 – 7 1

Establishment characteristic

Goods-producing industries .............................................. 100 91 – – 54 – 2,000 – – 8 1

Construction .................................................................. 100 91 35 – 56 2,000 – – – – –

Manufacturing ............................................................... 100 91 – – 52 1,000 1,900 900 – 8 1

Service-providing industries .............................................. 100 90 – – 49 1,200 2,000 – – 10 1 ( )

Trade, transportation, and utilities ................................. 100 92 49 900 – – – – – 8 –

Wholesale trade ........................................................ 100 94 – – 50 1,050 3,000 – – – –

Transportation and warehousing .............................. 100 87 36 – 51 1,500 1,500 – – – –

Information .................................................................... 100 94 48 – – – – – – – –

Financial activities ......................................................... 100 87 – – 48 1,200 2,000 – – 13 1 ( )

Finance and insurance .............................................. 100 88 – – 50 – 2,000 – – 12 1 ( )

Credit intermediation and related activities ........... 100 89 – – 49 – 2,000 – – 11 –

Insurance carriers and related activities ............... 100 83 – – 45 – 3,000 – – – –

Professional and business services .............................. 100 91 36 – 55 – 2,000 – – – –

Education and health services ...................................... 100 87 – – 48 – 2,000 600 – – –

Educational services ................................................. 100 91 – – 54 – – 800 – – –

Junior colleges, colleges, and universities ............ 100 91 – – 65 1,200 1,200 800 – 9 –

Health care and social assistance ............................ 100 86 39 – 47 – – 600 – – –

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,

2010—Continued

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

Characteristics Total

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

1 to 99 workers ................................................................. 100 91 – – 53 $1,500 – – – 9 1 ( )

1 to 49 workers ............................................................. 100 91 – – 54 1,700 $3,800 – – – –

50 to 99 workers ........................................................... 100 91 – – 51 – – – – – –

100 workers or more ......................................................... 100 89 – – 48 1,000 2,000 $600 – 11 –

100 to 499 workers ....................................................... 100 90 46 $800 – – – – – 10 –

500 workers or more ..................................................... 100 89 – – 53 1,000 1,600 – – 11 –

Geographic area

New England ..................................................................... 100 82 38 – 44 – – – – – –

Middle Atlantic ................................................................... 100 88 – – 59 600 1,000 – – 12 –

East North Central ............................................................ 100 93 – – 51 – 2,000 600 – 7 1

West North Central ........................................................... 100 93 – – 50 1,500 3,000 – – – –

South Atlantic .................................................................... 100 93 – – 53 1,700 3,750 – – 7 –

East South Central ............................................................ 100 93 – – 51 – – 750 – – –

West South Central ........................................................... 100 84 – – 52 – – – – – –

Mountain ........................................................................... 100 92 – – 54 – – 600 – – –

Pacific ............................................................................... 100 90 59 900 – – – – – 10 –

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

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

"National Compensation Survey: Occupational Earnings in the United States, 2009." See Technical Note for more

details.

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

reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related terms,

see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 8. Standard errors for fee-for-service plans: Type and amount of annual family deductible, private industry workers, National Compensation

Survey, 2010

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

Worker characteristic

All workers ........................................................................ 1.3 – – 1.9 $318 $232 – – 1.2 0.1

Management, professional, and related ............................ 2.5 – – 2.8 77 28 – – 2.5 0.3

Management, business, and financial ........................... 1.8 – – 3.2 329 592 – – 1.8 0.3

Professional and related ............................................... 3.1 – – 3.7 55 329 – – 3.1 0.3

Service .............................................................................. 4.5 – – 6.4 179 1,121 – – – –

Protective service .......................................................... 1.0 – – 9.7 170 – – – – –

Sales and office ................................................................ 2.1 – – 2.9 312 – – – – –

Sales and related .......................................................... 1.1 3.8 $40 – – – – – – –

Office and administrative support ................................. 3.0 – – 3.6 – – – – – –

Natural resources, construction, and maintenance ........... 2.3 – – 4.9 161 – – – 2.3 –

Construction, extraction, farming, fishing, and forestry 3.8 – – 8.0 – – – – – –

Installation, maintenance, and repair ............................ 2.8 5.9 103 – – – – – – –

Production, transportation, and material moving .............. 2.2 – – 4.2 0 – – – 2.1 0.2

Production ..................................................................... 3.0 – – 3.9 238 – – – 3.0 0.4

Transportation and material moving ............................. 2.6 – – 7.3 0 – – – 2.6 –

Full time ............................................................................ 1.2 – – 1.8 – 567 $222 – 1.2 0.1

Part time ............................................................................ 6.8 6.1 118 6.2 88 326 103 – – –

Union ................................................................................. 3.3 – – 4.7 70 76 – – 3.3 –

Nonunion ........................................................................... 1.4 – – 2.0 193 564 – – 1.3 0.1

Average wage within the following categories:1

Lowest 25 percent ......................................................... 3.5 5.4 – – – – – – – –

Second 25 percent ........................................................ 1.1 – – 2.9 – – – – 1.1 0.1

Third 25 percent ............................................................ 1.7 – – 3.1 0 737 243 – 1.7 –

Highest 25 percent ........................................................ 1.8 – – 2.5 0 272 117 – 1.8 0.3

Highest 10 percent .................................................... 1.7 – – 3.6 0 319 142 – 1.5 0.6

Establishment characteristic

Goods-producing industries .............................................. 1.4 – – 2.8 – 98 – – 1.3 0.5

Construction .................................................................. 2.8 6.2 – 7.2 561 – – – – –

Manufacturing ............................................................... 1.7 – – 3.5 173 211 0 – 1.5 0.7

Service-providing industries .............................................. 1.6 – – 2.3 301 508 – – 1.6 2 ( )

Trade, transportation, and utilities ................................. 1.5 2.9 229 – – – – – 1.5 –

Wholesale trade ........................................................ 3.3 – – 5.7 228 773 – – – –

Transportation and warehousing .............................. 4.0 9.7 – 8.6 422 431 – – – –

Information .................................................................... 2.6 7.9 – – – – – – – –

Financial activities ......................................................... 2.5 – – 3.9 285 65 – – 2.5 2 ( )

Finance and insurance .............................................. 2.9 – – 3.6 – 147 – – 2.9 2 ( )

Credit intermediation and related activities ........... 2.4 – – 4.8 – 166 – – 2.4 –

Insurance carriers and related activities ............... 6.4 – – 6.2 – 639 – – – –

Professional and business services .............................. 4.5 5.8 – 5.1 – 366 – – – –

Education and health services ...................................... 4.5 – – 5.3 – 327 94 – – –

Educational services ................................................. 3.3 – – 7.3 – – 0 – – –

Junior colleges, colleges, and universities ............ 1.9 – – 5.3 328 280 0 – 1.9 –

Health care and social assistance ............................ 5.3 6.0 – 6.1 – – 99 – – –

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, 2010—Continued

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

1 to 99 workers ................................................................. 2.3 – – 3.3 $203 – – – 2.3 0.3

1 to 49 workers ............................................................. 3.2 – – 3.4 386 $787 – – – –

50 to 99 workers ........................................................... 2.5 – – 6.2 – – – – – –

100 workers or more ......................................................... 1.3 – – 2.0 42 0 $77 – 1.3 –

100 to 499 workers ....................................................... 2.1 3.0 $146 – – – – – 2.1 –

500 workers or more ..................................................... 2.0 – – 2.5 0 140 – – 2.0 –

Geographic area

New England ..................................................................... 6.2 8.9 – 6.6 – – – – – –

Middle Atlantic ................................................................... 2.6 – – 6.0 93 216 – – 2.6 –

East North Central ............................................................ 1.7 – – 2.7 – 438 141 – 1.4 0.7

West North Central ........................................................... 2.4 – – 3.8 179 347 – – – –

South Atlantic .................................................................... 2.0 – – 3.8 420 694 – – 2.0 –

East South Central ............................................................ 3.5 – – 6.8 – – 172 – – –

West South Central ........................................................... 6.2 – – 4.7 – – – – – –

Mountain ........................................................................... 8.4 – – 11.2 – – 0 – – –

Pacific ............................................................................... 2.3 8.4 204 – – – – – 2.3 –

1 The categories are based on the average wage for each occupation surveyed, which may include workers

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

the "National Compensation Survey: Occupational Earnings in the United States, 2009." See Technical Note for

more details. 2 Less than 0.05.

NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of

major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 9. Fee-for-service plans: Amount of annual family deductible, private industry workers, National Compensation Survey, 2010

(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 90 $500 $700 $1,000 $3,000 $5,000 10 1 ( )

Management, professional, and related ............................ 100 90 500 600 1,050 3,000 4,200 10 1 ( )

Management, business, and financial ........................... 100 92 450 600 1,050 3,000 4,500 8 1 ( )

Professional and related ............................................... 100 88 500 600 1,050 3,000 4,000 11 1 ( )

Service .............................................................................. 100 86 500 700 1,000 2,000 5,000 – –

Protective service .......................................................... 100 99 – – – – –– –

Sales and office ................................................................ 100 92 500 700 1,000 3,000 5,000 – –

Sales and related .......................................................... 100 96 500 700 1,000 2,300 4,500 – –

Office and administrative support ................................. 100 91 500 600 1,250 3,000 5,000 – –

Natural resources, construction, and maintenance ........... 100 90 500 750 1,050 2,250 5,000 10 –

Construction, extraction, farming, fishing, and forestry 100 89 – – – – –– –

Installation, maintenance, and repair ............................ 100 91 500 600 1,000 2,000 3,000 – –

Production, transportation, and material moving .............. 100 89 450 700 1,000 3,000 5,000 11 1 ( )

Production ..................................................................... 100 88 500 700 1,000 3,000 4,800 12 1 ( )

Transportation and material moving ............................. 100 91 450 700 1,500 3,000 5,000 9 –

Full time ............................................................................ 100 90 500 650 1,050 3,000 5,000 10 1 ( )

Part time ............................................................................ 100 89 500 700 750 1,600 4,000 – –

Union ................................................................................. 100 82 350 500 750 1,000 2,500 18 –

Nonunion ........................................................................... 100 91 500 700 1,250 3,000 5,000 8 1 ( )

Average wage within the following categories:2

Lowest 25 percent ......................................................... 100 91 600 700 1,400 3,750 5,000 – –

Second 25 percent ........................................................ 100 92 500 700 1,000 3,000 4,500 8 1 ( )

Third 25 percent ............................................................ 100 88 500 650 1,400 3,000 5,000 12 –

Highest 25 percent ........................................................ 100 90 500 600 1,000 2,250 4,200 10 1 ( )

Highest 10 percent .................................................... 100 92 500 600 1,000 2,400 4,200 7 1

Establishment characteristic

Goods-producing industries .............................................. 100 91 450 600 1,000 2,500 4,500 8 1

Construction .................................................................. 100 91 400 750 2,000 4,000 6,000 – –

Manufacturing ............................................................... 100 91 450 600 1,000 2,000 4,000 8 1

Service-providing industries .............................................. 100 90 500 700 1,050 3,000 5,000 10 1 ( )

Trade, transportation, and utilities ................................. 100 92 500 700 1,000 3,000 5,000 8 –

Wholesale trade ........................................................ 100 94 500 600 1,050 3,000 5,000 – –

Transportation and warehousing .............................. 100 87 450 500 1,500 3,600 5,000 – –

Information .................................................................... 100 94 450 600 1,000 1,800 2,500 – –

Financial activities ......................................................... 100 87 500 700 1,500 3,000 3,750 13 1 ( )

Finance and insurance .............................................. 100 88 500 700 1,500 3,000 4,000 12 1 ( )

Credit intermediation and related activities ........... 100 89 600 750 1,500 3,000 3,750 11 –

Insurance carriers and related activities ............... 100 83 500 750 1,900 3,000 4,000 – –

Professional and business services .............................. 100 91 500 700 1,500 3,000 7,500 – –

Education and health services ...................................... 100 87 500 600 1,500 3,000 5,150 – –

Educational services ................................................. 100 91 300 600 800 2,000 4,500 – –

Junior colleges, colleges, and universities ............ 100 91 500 750 1,000 2,000 4,500 9 –

Health care and social assistance ............................ 100 86 500 650 1,500 3,000 5,150 – –

See footnotes at end of table.
Table 9. Fee-for-service plans: Amount of annual family deductible, private industry workers, National Compensation Survey,

2010—Continued

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

Characteristics Total With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 100 91 $600 $750 $1,500 $3,750 $5,150 9 1 ( )

1 to 49 workers ............................................................. 100 91 600 800 1,800 3,600 6,000 – –

50 to 99 workers ........................................................... 100 91 500 750 1,500 4,000 5,150 – –

100 workers or more ......................................................... 100 89 450 600 1,000 2,000 – 11 –

100 to 499 workers ....................................................... 100 90 500 700 1,000 – 4,000 10 –

500 workers or more ..................................................... 100 89 400 600 900 2,000 3,000 11 –

Geographic area

New England ..................................................................... 100 82 – – – – –– –

Middle Atlantic ................................................................... 100 88 400 600 700 1,000 3,000 12 –

East North Central ............................................................ 100 93 400 600 1,000 3,000 4,200 7 1

West North Central ........................................................... 100 93 500 600 1,100 3,000 4,000 – –

South Atlantic .................................................................... 100 93 600 750 1,500 3,000 5,000 7 –

East South Central ............................................................ 100 93 600 600 1,000 2,250 4,000 – –

West South Central ........................................................... 100 84 500 900 2,000 – 5,000 – –

Mountain ........................................................................... 100 92 – – – – –– –

Pacific ............................................................................... 100 90 500 600 900 2,000 4,200 10 –

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

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

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

2009." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data

were reported or that data do not meet publication criteria. For definitions of major plans, key provisions,

and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 9. Standard errors for fee-for-service plans: Amount of annual family deductible, private industry workers, National

Compensation Survey, 2010

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 1.3 $0 $115 $55 $170 $477 1.2 0.1

Management, professional, and related ............................ 2.5 0 10 295 305 445 2.5 0.3

Management, business, and financial ........................... 1.8 68 69 213 170 782 1.8 0.3

Professional and related ............................................... 3.1 0 5 386 576 331 3.1 0.3

Service .............................................................................. 4.5 17 126 128 763 1,144 – –

Protective service .......................................................... 1.0 – – – – – – –

Sales and office ................................................................ 2.1 0 55 45 367 360 – –

Sales and related .......................................................... 1.1 44 0 102 783 569 – –

Office and administrative support ................................. 3.0 0 99 392 170 251 – –

Natural resources, construction, and maintenance ........... 2.3 44 121 491 942 1,294 2.3 –

Construction, extraction, farming, fishing, and forestry 3.8 – – – – – – –

Installation, maintenance, and repair ............................ 2.8 35 92 10 207 1,172 – –

Production, transportation, and material moving .............. 2.2 59 62 463 128 335 2.1 0.2

Production ..................................................................... 3.0 84 77 0 621 473 3.0 0.4

Transportation and material moving ............................. 2.6 51 100 176 880 310 2.6 –

Full time ............................................................................ 1.2 0 94 178 78 353 1.2 0.1

Part time ............................................................................ 6.8 0 92 202 566 220 – –

Union ................................................................................. 3.3 46 71 77 80 699 3.3 –

Nonunion ........................................................................... 1.4 0 0 356 0 68 1.3 0.1

Average wage within the following categories:1

Lowest 25 percent ......................................................... 3.5 94 10 465 620 1,021 – –

Second 25 percent ........................................................ 1.1 0 28 71 749 380 1.1 0.1

Third 25 percent ............................................................ 1.7 24 97 361 98 417 1.7 –

Highest 25 percent ........................................................ 1.8 80 0 0 173 412 1.8 0.3

Highest 10 percent .................................................... 1.7 40 0 10 344 1,153 1.5 0.6

Establishment characteristic

Goods-producing industries .............................................. 1.4 65 81 0 522 370 1.3 0.5

Construction .................................................................. 2.8 115 134 597 1,517 555 – –

Manufacturing ............................................................... 1.7 74 40 111 509 462 1.5 0.7

Service-providing industries .............................................. 1.6 0 78 207 139 394 1.6 2 ( )

Trade, transportation, and utilities ................................. 1.5 33 0 26 789 542 1.5 –

Wholesale trade ........................................................ 3.3 67 175 362 1,096 0 – –

Transportation and warehousing .............................. 4.0 0 68 363 1,462 707 – –

Information .................................................................... 2.6 77 0 270 398 28 – –

Financial activities ......................................................... 2.5 0 139 450 354 436 2.5 2 ( )

Finance and insurance .............................................. 2.9 50 110 205 342 372 2.9 2 ( )

Credit intermediation and related activities ........... 2.4 48 291 382 211 492 2.4 –

Insurance carriers and related activities ............... 6.4 90 148 468 559 320 – –

Professional and business services .............................. 4.5 88 138 362 812 2,574 – –

Education and health services ...................................... 4.5 0 144 145 558 1,308 – –

Educational services ................................................. 3.3 106 191 238 724 1,197 – –

Junior colleges, colleges, and universities ............ 1.9 59 92 190 806 952 1.9 –

Health care and social assistance ............................ 5.3 44 147 258 1,039 2,227 – –

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, 2010—Continued

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 2.3 $139 $181 $377 $718 $976 2.3 0.3

1 to 49 workers ............................................................. 3.2 86 225 406 700 729 – –

50 to 99 workers ........................................................... 2.5 81 154 345 1,016 212 – –

100 workers or more ......................................................... 1.3 64 0 98 128 – 1.3 –

100 to 499 workers ....................................................... 2.1 0 49 44 – 364 2.1 –

500 workers or more ..................................................... 2.0 70 62 136 251 319 2.0 –

Geographic area

New England ..................................................................... 6.2 – – – – – – –

Middle Atlantic ................................................................... 2.6 68 98 63 302 673 2.6 –

East North Central ............................................................ 1.7 29 76 0 583 813 1.4 0.7

West North Central ........................................................... 2.4 62 52 298 0 322 – –

South Atlantic .................................................................... 2.0 66 96 502 204 1,618 2.0 –

East South Central ............................................................ 3.5 146 153 378 569 404 – –

West South Central ........................................................... 6.2 111 136 654 – 899 – –

Mountain ........................................................................... 8.4 – – – – – – –

Pacific ............................................................................... 2.3 0 86 83 356 862 2.3 –

1 The categories are based on the average wage for each occupation surveyed, which may

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

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

States, 2009." See Technical Note for more details. 2 Less than 0.05.

NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 10. Fee-for-service plans: Coinsurance percentage, private industry workers, National Compensation Survey, 2010

(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 – – 85 80 60 90 –

Management, professional, and related ............................ 100 – – 88 80 60 100 –

Management, business, and financial ........................... 100 – – 86 90 60 90 –

Professional and related ............................................... 100 – – 89 80 60 100 –

Service .............................................................................. 100 – – 76 80 60 100 –

Protective service .......................................................... 100 – – 82 80 60 100 –

Sales and office ................................................................ 100 – – 89 80 60 90 –

Sales and related .......................................................... 100 – – 91 80 60 90 –

Office and administrative support ................................. 100 – – 87 85 60 90 –

Natural resources, construction, and maintenance ........... 100 – – 84 80 60 90 –

Construction, extraction, farming, fishing, and forestry 100 – – 85 80 60 90 –

Installation, maintenance, and repair ............................ 100 – – 83 80 60 90 –

Production, transportation, and material moving .............. 100 – – 80 85 60 90 –

Production ..................................................................... 100 – – 79 80 60 85 –

Transportation and material moving ............................. 100 – – 81 85 60 90 –

Full time ............................................................................ 100 – – 85 80 60 90 –

Part time ............................................................................ 100 – – 77 80 60 100 –

Union ................................................................................. 100 – – 75 90 70 90 –

Nonunion ........................................................................... 100 – – 86 80 60 90 –

Average wage within the following categories:1

Lowest 25 percent ......................................................... 100 – – 85 80 60 100 –

Second 25 percent ........................................................ 100 – – 86 80 60 90 –

Third 25 percent ............................................................ 100 – – 82 80 60 90 –

Highest 25 percent ........................................................ 100 – – 86 90 60 90 –

Highest 10 percent .................................................... 100 – – 87 90 60 90 –

Establishment characteristic

Goods-producing industries .............................................. 100 – – 82 85 60 90 –

Construction .................................................................. 100 – – 89 80 60 90 –

Manufacturing ............................................................... 100 – – 81 85 60 90 –

Service-providing industries .............................................. 100 – – 86 80 60 90 –

Trade, transportation, and utilities ................................. 100 – – 90 80 60 90 –

Wholesale trade ........................................................ 100 – – 90 80 60 100 –

Transportation and warehousing .............................. 100 18 80 82 90 60 90 –

Information .................................................................... 100 – – 65 90 60 100 –

Financial activities ......................................................... 100 – – 88 85 60 80 –

Finance and insurance .............................................. 100 – – 89 85 60 80 –

Credit intermediation and related activities ........... 100 – – 95 80 60 90 –

Insurance carriers and related activities ............... 100 – – 80 90 60 90 –

Professional and business services .............................. 100 – – 86 90 70 100 –

Education and health services ...................................... 100 – – 83 80 60 100 –

Educational services ................................................. 100 – – 90 85 70 100 –

Junior colleges, colleges, and universities ............ 100 – – 85 80 70 100 –

Health care and social assistance ............................ 100 – – 82 80 60 100 –

See footnotes at end of table.
Table 10. Fee-for-service plans: Coinsurance percentage, private industry workers, National Compensation Survey,

2010—Continued

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

Characteristics Total

Fixed coinsurance Variable coinsurance

With other

With fixed coinsurance

coinsurance

Median

coinsurance

percentage

With variable

coinsurance

Median coinsurance percentage

In-network Out-ofnetwork

Point-ofservice

1 to 99 workers ................................................................. 100 – – 87 80 60 90 –

1 to 49 workers ............................................................. 100 12 80 88 80 60 80 –

50 to 99 workers ........................................................... 100 – – 86 85 60 100 –

100 workers or more ......................................................... 100 – – 83 80 60 90 –

100 to 499 workers ....................................................... 100 – – 84 80 60 90 –

500 workers or more ..................................................... 100 – – 82 85 60 90 –

Geographic area

New England ..................................................................... 100 – – 85 90 70 100 –

Middle Atlantic ................................................................... 100 – – 85 90 70 100 –

East North Central ............................................................ 100 – – 82 80 60 90 –

West North Central ........................................................... 100 – – 82 80 60 80 –

South Atlantic .................................................................... 100 – – 86 80 60 100 –

East South Central ............................................................ 100 – – 86 80 60 90 –

West South Central ........................................................... 100 6 80 94 80 60 90 –

Mountain ........................................................................... 100 – – 79 80 60 80 –

Pacific ............................................................................... 100 – – 83 80 60 90 –

1 The categories are based on the average wage for each occupation surveyed, which may

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

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

States, 2009." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no

data were reported or that data do not meet publication criteria. For definitions of major plans, key

provisions, and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 10. Standard errors for fee-for-service plans: Coinsurance percentage, private industry workers, National

Compensation Survey, 2010

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 ........................................................................ – – 1.6 0.0 0.0 1.4 –

Management, professional, and related ............................ – – 2.4 6.5 0.0 10.3 –

Management, business, and financial ........................... – – 3.7 7.0 2.0 0.0 –

Professional and related ............................................... – – 2.4 2.4 0.0 2.0 –

Service .............................................................................. – – 7.3 0.0 0.0 1.4 –

Protective service .......................................................... – – 11.1 2.8 2.8 0.0 –

Sales and office ................................................................ – – 2.7 0.0 0.0 0.0 –

Sales and related .......................................................... – – 2.2 0.0 0.0 7.3 –

Office and administrative support ................................. – – 3.9 7.0 0.0 0.0 –

Natural resources, construction, and maintenance ........... – – 3.2 0.0 1.7 0.0 –

Construction, extraction, farming, fishing, and forestry – – 5.5 5.3 2.0 15.3 –

Installation, maintenance, and repair ............................ – – 3.8 0.0 7.0 4.4 –

Production, transportation, and material moving .............. – – 2.8 6.3 0.0 4.4 –

Production ..................................................................... – – 3.9 7.3 6.5 21.2 –

Transportation and material moving ............................. – – 3.5 8.6 0.0 0.0 –

Full time ............................................................................ – – 1.5 0.0 0.0 0.0 –

Part time ............................................................................ – – 9.1 0.0 3.9 0.0 –

Union ................................................................................. – – 3.3 0.0 5.4 5.9 –

Nonunion ........................................................................... – – 1.7 0.0 0.0 1.0 –

Average wage within the following categories:1

Lowest 25 percent ......................................................... – – 4.4 0.0 0.0 4.8 –

Second 25 percent ........................................................ – – 1.8 0.0 0.0 0.0 –

Third 25 percent ............................................................ – – 3.1 0.0 0.0 4.4 –

Highest 25 percent ........................................................ – – 2.2 1.0 0.0 0.0 –

Highest 10 percent .................................................... – – 2.9 1.7 2.0 0.0 –

Establishment characteristic

Goods-producing industries .............................................. – – 3.1 6.7 0.0 0.0 –

Construction .................................................................. – – 4.4 6.7 0.0 14.7 –

Manufacturing ............................................................... – – 3.8 4.9 1.7 2.0 –

Service-providing industries .............................................. – – 2.1 0.0 0.0 5.6 –

Trade, transportation, and utilities ................................. – – 1.6 0.0 0.0 2.2 –

Wholesale trade ........................................................ – – 3.5 9.2 3.0 20.8 –

Transportation and warehousing .............................. 5.0 11.0 5.0 5.1 9.6 0.0 –

Information .................................................................... – – 9.5 0.0 9.5 7.6 –

Financial activities ......................................................... – – 2.3 5.4 0.0 4.8 –

Finance and insurance .............................................. – – 2.2 5.2 0.0 11.6 –

Credit intermediation and related activities ........... – – 1.6 0.0 0.0 2.8 –

Insurance carriers and related activities ............... – – 5.2 2.9 6.2 0.0 –

Professional and business services .............................. – – 6.0 0.0 11.1 11.8 –

Education and health services ...................................... – – 5.0 0.0 0.0 0.0 –

Educational services ................................................. – – 2.8 9.6 2.0 7.3 –

Junior colleges, colleges, and universities ............ – – 3.8 2.6 1.4 7.3 –

Health care and social assistance ............................ – – 5.8 0.0 8.1 0.0 –

See footnotes at end of table.
Table 10. Standard errors for fee-for-service plans: Coinsurance percentage, private industry workers, National

Compensation Survey, 2010—Continued

Characteristics

Fixed coinsurance Variable coinsurance

With other

With fixed coinsurance

coinsurance

Median

coinsurance

percentage

With variable

coinsurance

Median coinsurance percentage

In-network Out-ofnetwork

Point-ofservice

1 to 99 workers ................................................................. – – 2.7 5.2 0.0 11.6 –

1 to 49 workers ............................................................. 3.4 0.0 3.4 3.8 0.0 13.6 –

50 to 99 workers ........................................................... – – 3.3 8.6 0.0 14.9 –

100 workers or more ......................................................... – – 1.9 0.0 0.0 1.0 –

100 to 499 workers ....................................................... – – 2.2 0.0 0.0 0.0 –

500 workers or more ..................................................... – – 3.6 5.1 1.4 5.3 –

Geographic area

New England ..................................................................... – – 4.0 9.1 9.2 0.0 –

Middle Atlantic ................................................................... – – 4.3 0.0 0.0 0.0 –

East North Central ............................................................ – – 2.8 0.0 0.0 10.6 –

West North Central ........................................................... – – 5.0 0.0 0.0 0.0 –

South Atlantic .................................................................... – – 3.7 0.0 0.0 10.9 –

East South Central ............................................................ – – 5.5 6.6 0.0 0.0 –

West South Central ........................................................... 1.6 0.0 1.6 7.3 0.0 0.0 –

Mountain ........................................................................... – – 9.3 9.9 0.0 7.6 –

Pacific ............................................................................... – – 7.2 0.0 0.0 1.4 –

1 The categories are based on the average wage for each occupation surveyed, which

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

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

Earnings in the United States, 2009." See Technical Note for more details.

NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria.

For definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 11. Fee-for-service plans: Amount of annual individual out-of-pocket maximum, private industry workers, National Compensation

Survey, 2010

(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 $1,000 $1,250 $2,000 $2,500 $3,750 17 2

Management, professional, and related ............................ 100 79 1,000 1,250 1,750 2,500 3,800 16 4

Management, business, and financial ........................... 100 78 1,000 1,250 1,750 2,600 4,000 18 4

Professional and related ............................................... 100 80 1,000 1,250 1,750 2,500 3,600 15 4

Service .............................................................................. 100 78 1,000 1,500 1,750 2,650 3,600 – –

Protective service .......................................................... 100 83 – – – – – – –

Sales and office ................................................................ 100 83 1,000 1,300 2,000 2,500 3,500 17 1 ( )

Sales and related .......................................................... 100 87 1,150 1,600 2,000 2,500 4,000 12 1 ( )

Office and administrative support ................................. 100 81 1,000 1,200 2,000 2,500 3,000 19 1 ( )

Natural resources, construction, and maintenance ........... 100 85 750 1,050 2,000 3,000 4,000 15 1

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

Installation, maintenance, and repair ............................ 100 92 – – – – – 8 1 ( )

Production, transportation, and material moving .............. 100 81 850 1,000 1,750 2,500 4,000 17 2

Production ..................................................................... 100 83 750 1,000 1,700 2,000 4,000 14 3

Transportation and material moving ............................. 100 79 1,000 1,250 2,000 2,750 4,000 21 1 ( )

Full time ............................................................................ 100 81 1,000 1,200 2,000 2,500 3,825 17 2

Part time ............................................................................ 100 80 1,000 1,500 2,000 2,400 3,000 – –

Union ................................................................................. 100 77 650 1,000 1,500 2,100 3,500 21 2

Nonunion ........................................................................... 100 82 1,000 1,350 2,000 2,500 3,825 16 2

Average wage within the following categories:2

Lowest 25 percent ......................................................... 100 82 1,200 1,500 2,000 2,600 4,000 18 1 ( )

Second 25 percent ........................................................ 100 85 1,000 1,250 2,000 2,500 3,500 14 1

Third 25 percent ............................................................ 100 78 1,000 1,200 2,000 2,700 4,000 20 2

Highest 25 percent ........................................................ 100 80 1,000 1,000 1,750 2,500 3,750 17 4

Highest 10 percent .................................................... 100 80 1,000 1,050 1,750 2,500 4,000 16 3

Establishment characteristic

Goods-producing industries .............................................. 100 85 825 1,000 1,700 2,500 3,650 11 4

Construction .................................................................. 100 81 1,000 1,500 2,000 3,000 4,500 18 2

Manufacturing ............................................................... 100 85 800 1,000 1,650 2,200 3,000 10 4

Service-providing industries .............................................. 100 80 1,000 1,250 2,000 2,500 3,800 19 1

Trade, transportation, and utilities ................................. 100 84 1,000 1,500 2,000 3,000 4,500 16 1 ( )

Wholesale trade ........................................................ 100 77 – – – – – 22 1 ( )

Transportation and warehousing .............................. 100 83 1,000 1,000 1,500 2,750 3,500 – –

Information .................................................................... 100 80 500 1,000 1,250 2,500 3,500 – –

Financial activities ......................................................... 100 80 1,000 1,200 2,000 2,500 3,500 19 1

Finance and insurance .............................................. 100 80 1,000 1,250 2,000 2,500 – 20 1 ( )

Credit intermediation and related activities ........... 100 77 – – – – – 23 –

Insurance carriers and related activities ............... 100 81 1,000 1,200 1,500 2,500 3,000 18 1

Professional and business services .............................. 100 79 1,000 1,200 1,750 2,500 4,000 21 –

Education and health services ...................................... 100 77 1,000 1,250 1,700 2,400 3,000 18 5

Educational services ................................................. 100 73 800 1,000 1,050 1,750 2,500 26 1

Junior colleges, colleges, and universities ............ 100 64 750 1,000 1,500 2,000 3,000 34 2

Health care and social assistance ............................ 100 77 1,000 1,500 1,750 2,400 3,000 17 6

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, 2010—Continued

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

Characteristics Total

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 100 78 $1,000 $1,500 $2,000 $2,600 $4,000 19 3

1 to 49 workers ............................................................. 100 75 1,000 1,500 2,000 2,650 4,000 21 3

50 to 99 workers ........................................................... 100 86 1,000 1,500 2,000 2,500 3,500 – –

100 workers or more ......................................................... 100 83 900 1,200 2,000 2,500 3,500 16 1

100 to 499 workers ....................................................... 100 85 1,000 1,250 2,000 2,500 3,600 14 1

500 workers or more ..................................................... 100 80 750 1,000 1,700 2,500 3,500 17 2

Geographic area

New England ..................................................................... 100 59 1,000 1,200 2,000 3,000 – 39 2

Middle Atlantic ................................................................... 100 61 750 1,100 1,700 2,000 3,000 39 1

East North Central ............................................................ 100 83 750 1,000 1,500 2,500 3,500 13 4

West North Central ........................................................... 100 87 750 1,250 1,750 2,500 3,250 13 1 ( )

South Atlantic .................................................................... 100 89 1,000 1,500 2,000 2,750 4,000 11 –

East South Central ............................................................ 100 95 1,000 1,350 1,750 2,700 4,800 – –

West South Central ........................................................... 100 81 1,000 1,200 2,000 2,800 5,000 – –

Mountain ........................................................................... 100 79 1,000 1,500 2,000 2,500 3,500 – –

Pacific ............................................................................... 100 88 1,000 1,500 2,000 2,700 4,000 – –

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

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

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

2009." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data

were reported or that data do not meet publication criteria. For definitions of major plans, key provisions,

and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 11. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum, private industry

workers, National Compensation Survey, 2010

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 ........................................................................ 1.4 $0 $70 $0 $63 $346 1.7 0.9

Management, professional, and related ............................ 2.6 0 114 120 233 434 1.7 2.5

Management, business, and financial ........................... 2.5 0 86 176 236 427 2.0 1.8

Professional and related ............................................... 3.4 71 198 157 215 781 2.3 3.0

Service .............................................................................. 6.9 49 240 283 273 780 – –

Protective service .......................................................... 12.8 – – – – – – –

Sales and office ................................................................ 2.0 0 189 0 0 280 2.2 0.2

Sales and related .......................................................... 2.7 144 184 0 214 664 2.8 0.2

Office and administrative support ................................. 2.6 0 127 72 55 341 2.8 0.2

Natural resources, construction, and maintenance ........... 3.2 131 285 0 69 387 3.2 0.4

Construction, extraction, farming, fishing, and forestry 6.9 – – – – – – –

Installation, maintenance, and repair ............................ 2.1 – – – – – 2.1 0.1

Production, transportation, and material moving .............. 3.5 146 162 230 0 524 3.5 1.1

Production ..................................................................... 3.7 80 39 59 381 917 3.6 2.0

Transportation and material moving ............................. 5.9 0 211 0 306 1,065 5.9 1 ( )

Full time ............................................................................ 1.3 22 45 56 132 318 1.6 1.0

Part time ............................................................................ 7.0 0 0 0 287 59 – –

Union ................................................................................. 4.0 78 0 326 286 461 4.2 1.1

Nonunion ........................................................................... 1.4 0 177 0 182 356 1.7 1.0

Average wage within the following categories:2

Lowest 25 percent ......................................................... 5.2 257 112 0 215 574 5.2 1 ( )

Second 25 percent ........................................................ 1.9 0 175 0 0 153 1.9 0.3

Third 25 percent ............................................................ 2.6 113 42 208 207 432 2.5 1.1

Highest 25 percent ........................................................ 2.1 193 59 87 44 374 1.7 1.8

Highest 10 percent .................................................... 2.7 207 172 128 114 626 2.3 1.6

Establishment characteristic

Goods-producing industries .............................................. 2.5 164 45 55 0 446 2.2 2.0

Construction .................................................................. 5.2 49 507 715 824 582 4.7 1.3

Manufacturing ............................................................... 3.3 72 0 167 178 309 2.7 2.6

Service-providing industries .............................................. 1.8 0 131 0 164 362 2.1 1.0

Trade, transportation, and utilities ................................. 3.0 0 207 0 81 746 3.0 0.1

Wholesale trade ........................................................ 6.6 – – – – – 6.6 0.3

Transportation and warehousing .............................. 11.5 245 0 396 267 450 – –

Information .................................................................... 7.1 168 42 164 816 380 – –

Financial activities ......................................................... 2.8 102 92 103 100 653 2.6 0.9

Finance and insurance .............................................. 2.9 0 156 20 53 – 2.9 1 ( )

Credit intermediation and related activities ........... 4.8 – – – – – 4.8 –

Insurance carriers and related activities ............... 4.6 0 134 247 261 409 4.6 0.1

Professional and business services .............................. 5.1 450 260 216 258 1,255 5.1 –

Education and health services ...................................... 4.6 63 306 107 102 49 3.0 4.5

Educational services ................................................. 5.0 121 0 366 177 211 5.1 0.6

Junior colleges, colleges, and universities ............ 4.2 188 0 597 190 589 4.2 1.1

Health care and social assistance ............................ 5.6 26 116 261 129 202 3.6 5.4

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, 2010—Continued

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 2.3 $0 $129 $0 $161 $277 3.0 2.0

1 to 49 workers ............................................................. 3.2 0 339 0 322 427 4.0 2.7

50 to 99 workers ........................................................... 3.6 225 0 147 134 832 – –

100 workers or more ......................................................... 2.0 147 41 170 34 172 2.0 0.7

100 to 499 workers ....................................................... 2.1 20 163 0 100 435 2.1 0.2

500 workers or more ..................................................... 3.1 130 0 179 28 285 2.9 1.6

Geographic area

New England ..................................................................... 6.8 0 84 386 499 – 6.8 1.5

Middle Atlantic ................................................................... 4.7 147 183 37 193 129 4.9 0.2

East North Central ............................................................ 2.9 10 0 164 235 261 2.9 2.5

West North Central ........................................................... 3.5 88 248 238 130 495 3.6 0.3

South Atlantic .................................................................... 2.2 0 98 0 340 392 2.2 –

East South Central ............................................................ 1.6 358 262 278 608 721 – –

West South Central ........................................................... 2.3 371 308 0 290 1,196 – –

Mountain ........................................................................... 6.9 200 315 20 298 613 – –

Pacific ............................................................................... 6.0 0 62 0 318 1,141 – –

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

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

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

States, 2009." See Technical Note for more details.

NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 12. Fee-for-service plans: Amount of annual family out-of-pocket maximum, private industry workers, National Compensation

Survey, 2010

(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 76 $2,000 $2,750 $4,000 $6,000 $8,000 22 2

Management, professional, and related ............................ 100 77 2,000 2,500 3,500 5,500 8,000 19 4

Management, business, and financial ........................... 100 76 2,000 2,500 3,800 5,500 8,000 19 4

Professional and related ............................................... 100 77 2,000 2,500 3,500 6,000 8,000 19 4

Service .............................................................................. 100 70 2,000 3,000 4,000 5,500 9,750 – –

Protective service .......................................................... 100 82 – – – – – – –

Sales and office ................................................................ 100 80 2,000 3,000 4,000 5,250 7,500 20 1 ( )

Sales and related .......................................................... 100 83 2,300 3,500 4,000 5,000 8,500 17 1 ( )

Office and administrative support ................................. 100 78 2,000 2,800 4,000 5,300 7,000 21 1 ( )

Natural resources, construction, and maintenance ........... 100 78 1,500 2,500 4,000 6,700 9,000 21 1

Construction, extraction, farming, fishing, and forestry 100 71 – – – – – – –

Installation, maintenance, and repair ............................ 100 84 1,100 2,250 4,000 6,000 8,000 16 1 ( )

Production, transportation, and material moving .............. 100 73 1,600 2,500 4,000 6,000 7,950 26 2

Production ..................................................................... 100 78 1,500 2,000 3,300 5,000 7,000 19 3

Transportation and material moving ............................. 100 67 2,000 3,000 4,000 7,000 9,000 33 1 ( )

Full time ............................................................................ 100 77 2,000 2,500 4,000 6,000 8,000 21 2

Part time ............................................................................ 100 72 2,500 3,000 4,000 5,250 6,450 28 –

Union ................................................................................. 100 65 1,100 1,950 3,000 5,000 7,000 33 2

Nonunion ........................................................................... 100 78 2,000 3,000 4,000 6,000 8,000 20 2

Average wage within the following categories:2

Lowest 25 percent ......................................................... 100 75 2,400 3,100 4,000 6,000 9,000 25 1 ( )

Second 25 percent ........................................................ 100 80 2,000 3,000 4,000 5,500 7,950 19 1

Third 25 percent ............................................................ 100 73 1,800 2,800 4,000 6,000 8,000 25 2

Highest 25 percent ........................................................ 100 76 2,000 2,400 3,600 5,400 8,000 20 4

Highest 10 percent .................................................... 100 79 2,000 2,400 3,750 5,400 8,000 18 3

Establishment characteristic

Goods-producing industries .............................................. 100 82 1,600 2,000 3,700 5,250 8,000 14 4

Construction .................................................................. 100 76 2,000 3,000 4,000 6,000 10,000 22 2

Manufacturing ............................................................... 100 83 1,500 2,000 3,300 5,000 7,000 12 4

Service-providing industries .............................................. 100 75 2,000 3,000 4,000 6,000 8,000 24 1

Trade, transportation, and utilities ................................. 100 76 2,500 3,700 4,000 6,000 9,000 24 1 ( )

Wholesale trade ........................................................ 100 75 – – – – – 24 1 ( )

Transportation and warehousing .............................. 100 61 – – – – – 39 –

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

Financial activities ......................................................... 100 77 1,800 3,000 3,800 5,000 6,000 22 1

Finance and insurance .............................................. 100 77 2,000 3,000 4,000 5,000 6,000 23 1 ( )

Credit intermediation and related activities ........... 100 71 2,000 3,000 4,000 5,000 7,400 29 –

Insurance carriers and related activities ............... 100 79 2,000 2,500 3,300 5,000 6,000 20 1

Professional and business services .............................. 100 76 – – – – – 24 –

Education and health services ...................................... 100 72 2,000 3,000 3,400 5,100 7,500 23 5

Educational services ................................................. 100 73 – – – – – 26 1

Junior colleges, colleges, and universities ............ 100 64 1,200 2,000 3,000 4,500 7,500 35 2

Health care and social assistance ............................ 100 72 2,000 3,000 3,500 5,500 7,500 23 6

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, 2010—Continued

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

Characteristics Total

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 100 74 $2,000 $3,000 $4,000 $6,000 $9,000 24 3

1 to 49 workers ............................................................. 100 71 2,000 3,000 4,000 6,000 9,000 26 3

50 to 99 workers ........................................................... 100 81 2,000 3,000 4,000 5,400 8,000 – –

100 workers or more ......................................................... 100 78 1,800 2,500 4,000 5,500 7,500 21 1

100 to 499 workers ....................................................... 100 80 2,000 3,000 4,000 5,800 7,500 19 1

500 workers or more ..................................................... 100 75 1,500 2,000 3,400 5,250 7,650 23 2

Geographic area

New England ..................................................................... 100 58 2,000 3,000 4,000 6,000 8,660 40 2

Middle Atlantic ................................................................... 100 59 1,500 2,250 3,400 4,400 6,000 40 1

East North Central ............................................................ 100 78 1,500 2,000 3,000 5,000 7,000 18 4

West North Central ........................................................... 100 86 1,500 2,500 4,000 5,300 7,400 13 1 ( )

South Atlantic .................................................................... 100 83 2,000 3,000 4,000 6,000 8,000 17 –

East South Central ............................................................ 100 94 – – – – – – –

West South Central ........................................................... 100 72 1,950 2,600 4,000 6,000 9,000 – –

Mountain ........................................................................... 100 76 2,000 3,400 4,000 6,000 7,500 – –

Pacific ............................................................................... 100 79 2,000 3,000 4,000 6,000 9,000 – –

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

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

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

2009." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data

were reported or that data do not meet publication criteria. For definitions of major plans, key provisions,

and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 12. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum, private industry workers,

National Compensation Survey, 2010

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 ........................................................................ 1.4 $0 $350 $0 $669 $224 1.6 0.9

Management, professional, and related ............................ 2.6 0 265 444 561 466 1.7 2.5

Management, business, and financial ........................... 2.4 20 114 435 294 442 2.0 1.8

Professional and related ............................................... 3.3 20 444 405 824 631 2.4 3.0

Service .............................................................................. 7.1 116 541 566 743 1,178 – –

Protective service .......................................................... 12.9 – – – – – – –

Sales and office ................................................................ 2.1 0 0 0 213 378 2.3 0.2

Sales and related .......................................................... 3.0 314 359 0 519 699 3.1 0.2

Office and administrative support ................................. 2.6 0 452 39 343 335 2.8 0.2

Natural resources, construction, and maintenance ........... 3.5 333 779 151 1,069 1,043 3.5 0.4

Construction, extraction, farming, fishing, and forestry 6.7 – – – – – – –

Installation, maintenance, and repair ............................ 3.9 496 855 151 0 735 3.9 0.1

Production, transportation, and material moving .............. 3.8 211 395 196 826 594 3.8 1.1

Production ..................................................................... 4.2 310 99 249 484 972 4.2 2.0

Transportation and material moving ............................. 5.9 120 333 902 554 1,763 5.9 1 ( )

Full time ............................................................................ 1.3 84 268 20 519 323 1.6 1.0

Part time ............................................................................ 6.8 502 487 0 332 404 6.8 –

Union ................................................................................. 4.0 153 208 115 318 1,124 4.2 1.1

Nonunion ........................................................................... 1.4 0 0 0 367 523 1.7 1.0

Average wage within the following categories:2

Lowest 25 percent ......................................................... 4.4 148 375 39 292 1,191 4.4 1 ( )

Second 25 percent ........................................................ 2.0 0 78 0 603 616 2.0 0.3

Third 25 percent ............................................................ 2.6 256 401 179 375 336 2.5 1.1

Highest 25 percent ........................................................ 2.1 383 405 427 285 577 1.8 1.8

Highest 10 percent .................................................... 2.7 495 403 459 355 746 2.3 1.6

Establishment characteristic

Goods-producing industries .............................................. 2.6 190 283 484 482 670 2.3 2.0

Construction .................................................................. 4.9 450 742 392 1,675 2,490 5.0 1.3

Manufacturing ............................................................... 3.4 159 267 232 110 417 2.8 2.6

Service-providing industries .............................................. 1.7 0 39 0 391 285 2.0 1.0

Trade, transportation, and utilities ................................. 3.0 528 463 110 202 664 3.0 0.1

Wholesale trade ........................................................ 6.6 – – – – – 6.6 0.3

Transportation and warehousing .............................. 9.6 – – – – – 9.6 –

Information .................................................................... 7.4 – – – – – – –

Financial activities ......................................................... 3.1 339 350 316 157 754 3.0 0.9

Finance and insurance .............................................. 3.5 245 396 217 194 922 3.5 1 ( )

Credit intermediation and related activities ........... 6.2 234 151 113 265 884 6.2 –

Insurance carriers and related activities ............... 5.1 311 600 379 312 2,670 5.0 0.1

Professional and business services .............................. 5.2 – – – – – 5.2 –

Education and health services ...................................... 4.5 20 513 183 361 104 3.2 4.5

Educational services ................................................. 5.1 – – – – – 5.1 0.6

Junior colleges, colleges, and universities ............ 4.2 514 697 130 364 1,520 4.2 1.1

Health care and social assistance ............................ 5.4 0 28 343 781 206 3.8 5.4

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, 2010—Continued

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 2.2 $0 $0 $0 $215 $1,066 2.8 2.0

1 to 49 workers ............................................................. 2.9 0 0 0 0 827 3.7 2.7

50 to 99 workers ........................................................... 3.8 98 0 172 836 1,020 – –

100 workers or more ......................................................... 2.0 236 73 66 323 399 2.0 0.7

100 to 499 workers ....................................................... 2.3 0 193 0 607 427 2.3 0.2

500 workers or more ..................................................... 3.0 237 198 264 360 424 2.9 1.6

Geographic area

New England ..................................................................... 7.2 166 381 391 1,190 1,195 7.2 1.5

Middle Atlantic ................................................................... 5.0 0 261 230 421 1,219 5.1 0.2

East North Central ............................................................ 3.3 290 0 484 455 236 3.4 2.5

West North Central ........................................................... 3.4 226 573 578 429 1,247 3.4 0.3

South Atlantic .................................................................... 3.0 0 0 0 172 245 3.0 –

East South Central ............................................................ 1.8 – – – – – – –

West South Central ........................................................... 2.7 602 544 0 826 501 – –

Mountain ........................................................................... 6.6 735 652 948 613 1,061 – –

Pacific ............................................................................... 4.4 245 55 554 421 1,438 – –

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

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

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

2009." See Technical Note for more details.

NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 13. Health maintenance organizations: Summary of selected features, private industry workers, National Compensation

Survey, 2010

(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 ........................................................................ 44 56 – 21 79 – 56 44 –

Management, professional, and related ............................ 47 53 – – 77 – 48 52 –

Management, business, and financial ........................... 41 59 – 14 86 – 55 45 –

Professional and related ............................................... 50 50 – – 73 – 45 55 –

Service .............................................................................. 38 62 – – 80 – 55 45 –

Protective service .......................................................... – – – – 94 – – – –

Sales and office ................................................................ 44 56 – 17 83 – 65 35 –

Sales and related .......................................................... 36 64 – 19 81 – 76 24 –

Office and administrative support ................................. 46 54 – 17 83 – 61 39 –

Natural resources, construction, and maintenance ........... 37 63 – 23 77 – 65 35 –

Construction, extraction, farming, fishing, and forestry – 67 – 31 69 – 72 – –

Installation, maintenance, and repair ............................ 38 62 – – 82 – 62 38 –

Production, transportation, and material moving .............. 44 56 – 21 79 – 59 41 –

Production ..................................................................... 51 49 – 26 74 – 61 39 –

Transportation and material moving ............................. 35 65 – – 85 – 58 42 –

Full time ............................................................................ 43 57 – 20 80 – 57 43 –

Part time ............................................................................ 45 55 – – 67 – 50 50 –

Union ................................................................................. 37 63 – 12 88 – 41 59 –

Nonunion ........................................................................... 45 55 – 22 78 – 59 41 –

Average wage within the following categories:1

Lowest 25 percent ......................................................... 57 43 – – 68 – 53 47 –

Second 25 percent ........................................................ 43 57 – 23 77 – 59 41 –

Third 25 percent ............................................................ 41 59 – 20 80 – 63 37 –

Highest 25 percent ........................................................ 42 58 – – 82 – 50 50 –

Highest 10 percent .................................................... 39 61 – – 83 – 46 54 –

Establishment characteristic

Goods-producing industries .............................................. 38 62 – 23 77 – 66 34 –

Construction .................................................................. – 68 – 32 68 – 81 – –

Manufacturing ............................................................... 40 60 – 22 78 – 59 41 –

Service-providing industries .............................................. 45 55 – – 80 – 54 46 –

Trade, transportation, and utilities ................................. 42 58 – 14 86 – 67 33 –

Wholesale trade ........................................................ 53 47 – – 93 – 82 – –

Transportation and warehousing .............................. – 76 – – 80 – 54 46 –

Information .................................................................... 36 64 – – 84 – – 68 –

Financial activities ......................................................... 35 65 – 14 86 – 59 41 –

Finance and insurance .............................................. 32 68 – 16 84 – 47 53 –

Credit intermediation and related activities ........... 25 75 – 24 76 – 57 43 –

Insurance carriers and related activities ............... 65 35 – – 91 – 28 72 –

Professional and business services .............................. 52 48 – – 98 – 53 47 –

Education and health services ...................................... 48 52 – – 67 – 46 54 –

Educational services ................................................. 46 54 – – 93 – 53 47 –

Junior colleges, colleges, and universities ............ 29 71 – – 92 – 48 52 –

Health care and social assistance ............................ 49 51 – – 62 – – 55 –

See footnotes at end of table.
Table 13. Health maintenance organizations: Summary of selected features, private industry workers, National Compensation

Survey, 2010—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

1 to 99 workers ................................................................. 38 62 – 14 86 – 66 34 –

1 to 49 workers ............................................................. 36 64 – 14 86 – 69 31 –

50 to 99 workers ........................................................... 45 55 – – 88 – 60 40 –

100 workers or more ......................................................... 48 52 – – 74 – 48 52 –

100 to 499 workers ....................................................... 54 46 – 24 76 – 61 39 –

500 workers or more ..................................................... 44 56 – – 72 – 40 60 –

Geographic area

New England ..................................................................... 51 – – – 96 – – 59 –

Middle Atlantic ................................................................... 43 57 – 8 92 – 42 58 –

East North Central ............................................................ 57 – – – – – – 65 –

West North Central ........................................................... 50 50 – 33 67 – 58 42 –

South Atlantic .................................................................... 61 39 – 23 77 – 69 31 –

East South Central ............................................................ 65 – – – 92 – 56 44 –

West South Central ........................................................... 46 54 – – 96 – 72 – –

Mountain ........................................................................... 32 68 – 23 77 – 65 35 –

Pacific ............................................................................... 17 83 – 15 85 – 83 17 –

1 The categories are based on the average wage for each occupation surveyed, which may

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

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

States, 2009." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no

data were reported or that data do not meet publication criteria. For definitions of major plans, key

provisions, and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 13. Standard errors for health maintenance organizations: Summary of selected features, private industry workers, National

Compensation Survey, 2010

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Worker characteristic

All workers ........................................................................ 4.1 4.1 – 4.9 4.9 – 4.6 4.6 –

Management, professional, and related ............................ 6.9 6.9 – – 9.0 – 6.4 6.4 –

Management, business, and financial ........................... 6.2 6.2 – 3.1 3.1 – 6.8 6.8 –

Professional and related ............................................... 9.0 9.0 – – 12.1 – 8.1 8.1 –

Service .............................................................................. 9.1 9.1 – – 7.1 – 12.5 12.5 –

Protective service .......................................................... – – – – 3.0 – – – –

Sales and office ................................................................ 4.1 4.1 – 3.6 3.6 – 3.9 3.9 –

Sales and related .......................................................... 6.7 6.7 – 4.8 4.8 – 5.1 5.1 –

Office and administrative support ................................. 5.4 5.4 – 4.7 4.7 – 4.6 4.6 –

Natural resources, construction, and maintenance ........... 6.6 6.6 – 5.8 5.8 – 7.9 7.9 –

Construction, extraction, farming, fishing, and forestry – 12.2 – 7.4 7.4 – 12.2 – –

Installation, maintenance, and repair ............................ 9.3 9.3 – – 7.4 – 8.4 8.4 –

Production, transportation, and material moving .............. 5.8 5.8 – 4.0 4.0 – 4.6 4.6 –

Production ..................................................................... 6.6 6.6 – 6.5 6.5 – 6.2 6.2 –

Transportation and material moving ............................. 7.4 7.4 – – 5.8 – 8.6 8.6 –

Full time ............................................................................ 3.9 3.9 – 4.5 4.5 – 4.4 4.4 –

Part time ............................................................................ 12.1 12.1 – – 14.6 – 11.9 11.9 –

Union ................................................................................. 7.8 7.8 – 3.6 3.6 – 4.6 4.6 –

Nonunion ........................................................................... 4.6 4.6 – 5.4 5.4 – 5.6 5.6 –

Average wage within the following categories:1

Lowest 25 percent ......................................................... 7.9 7.9 – – 10.2 – 9.5 9.5 –

Second 25 percent ........................................................ 7.0 7.0 – 6.0 6.0 – 7.4 7.4 –

Third 25 percent ............................................................ 4.4 4.4 – 3.3 3.3 – 5.6 5.6 –

Highest 25 percent ........................................................ 4.8 4.8 – – 5.9 – 4.8 4.8 –

Highest 10 percent .................................................... 5.4 5.4 – – 5.2 – 4.9 4.9 –

Establishment characteristic

Goods-producing industries .............................................. 5.0 5.0 – 4.2 4.2 – 4.8 4.8 –

Construction .................................................................. – 9.6 – 8.6 8.6 – 7.9 – –

Manufacturing ............................................................... 5.6 5.6 – 5.2 5.2 – 5.1 5.1 –

Service-providing industries .............................................. 4.9 4.9 – – 6.2 – 5.6 5.6 –

Trade, transportation, and utilities ................................. 5.6 5.6 – 3.9 3.9 – 6.4 6.4 –

Wholesale trade ........................................................ 10.6 10.6 – – 4.3 – 6.4 – –

Transportation and warehousing .............................. – 10.4 – – 11.1 – 10.5 10.5 –

Information .................................................................... 9.7 9.7 – – 11.4 – – 12.7 –

Financial activities ......................................................... 8.0 8.0 – 3.9 3.9 – 6.4 6.4 –

Finance and insurance .............................................. 4.9 4.9 – 3.7 3.7 – 6.2 6.2 –

Credit intermediation and related activities ........... 5.9 5.9 – 7.3 7.3 – 8.4 8.4 –

Insurance carriers and related activities ............... 7.9 7.9 – – 3.2 – 6.7 6.7 –

Professional and business services .............................. 13.1 13.1 – – 1.2 – 8.1 8.1 –

Education and health services ...................................... 11.8 11.8 – – 14.6 – 11.8 11.8 –

Educational services ................................................. 8.7 8.7 – – 2.4 – 8.5 8.5 –

Junior colleges, colleges, and universities ............ 3.9 3.9 – – 2.7 – 4.7 4.7 –

Health care and social assistance ............................ 13.7 13.7 – – 16.1 – – 13.9 –

See footnotes at end of table.
Table 13. Standard errors for health maintenance organizations: Summary of selected features, private industry workers, National

Compensation Survey, 2010—Continued

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

1 to 99 workers ................................................................. 5.0 5.0 – 2.8 2.8 – 6.0 6.0 –

1 to 49 workers ............................................................. 6.6 6.6 – 3.4 3.4 – 5.8 5.8 –

50 to 99 workers ........................................................... 6.9 6.9 – – 4.6 – 10.5 10.5 –

100 workers or more ......................................................... 6.0 6.0 – – 8.4 – 5.6 5.6 –

100 to 499 workers ....................................................... 4.2 4.2 – 5.6 5.6 – 5.7 5.7 –

500 workers or more ..................................................... 10.2 10.2 – – 13.0 – 8.0 8.0 –

Geographic area

New England ..................................................................... 15.0 – – – 2.8 – – 12.5 –

Middle Atlantic ................................................................... 4.3 4.3 – 1.4 1.4 – 10.5 10.5 –

East North Central ............................................................ 16.7 – – – – – – 14.1 –

West North Central ........................................................... 8.6 8.6 – 6.4 6.4 – 7.1 7.1 –

South Atlantic .................................................................... 3.8 3.8 – 5.9 5.9 – 5.0 5.0 –

East South Central ............................................................ 14.9 – – – 6.1 – 7.6 7.6 –

West South Central ........................................................... 10.4 10.4 – – 3.2 – 11.1 – –

Mountain ........................................................................... 4.1 4.1 – 5.0 5.0 – 6.7 6.7 –

Pacific ............................................................................... 4.3 4.3 – 3.2 3.2 – 2.4 2.4 –

1 The categories are based on the average wage for each occupation surveyed, which may

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

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

States, 2009." See Technical Note for more details.

NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 14. Health maintenance organizations: Amount of annual individual out-of-pocket maximum, private industry workers, National

Compensation Survey, 2010

(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 56 $1,000 $1,500 $2,000 $3,000 $4,000 44 –

Management, professional, and related ............................ 100 48 1,000 1,500 1,500 2,500 3,500 52 –

Management, business, and financial ........................... 100 55 1,000 1,500 1,500 2,500 4,000 45 –

Professional and related ............................................... 100 45 – – – – – 55 –

Service .............................................................................. 100 55 1,500 1,500 2,500 3,500 5,000 45 –

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

Sales and office ................................................................ 100 65 1,000 1,500 2,000 3,000 3,500 35 –

Sales and related .......................................................... 100 76 1,250 1,500 2,000 2,500 3,000 24 –

Office and administrative support ................................. 100 61 1,000 1,500 2,000 3,000 3,500 39 –

Natural resources, construction, and maintenance ........... 100 65 – – – – – 35 –

Construction, extraction, farming, fishing, and forestry 100 72 – – – – – – –

Installation, maintenance, and repair ............................ 100 62 1,500 2,000 2,500 3,000 3,500 38 –

Production, transportation, and material moving .............. 100 59 1,500 1,500 1,700 3,000 4,000 41 –

Production ..................................................................... 100 61 1,500 1,500 1,500 2,000 3,500 39 –

Transportation and material moving ............................. 100 58 1,500 1,500 3,000 3,500 5,000 42 –

Full time ............................................................................ 100 57 1,000 1,500 2,000 3,000 4,000 43 –

Part time ............................................................................ 100 50 1,250 1,500 1,500 3,000 3,500 50 –

Union ................................................................................. 100 41 1,500 1,500 1,500 3,000 3,500 59 –

Nonunion ........................................................................... 100 59 1,000 1,500 2,000 3,000 4,000 41 –

Average wage within the following categories:1

Lowest 25 percent ......................................................... 100 53 1,000 1,500 2,000 3,000 3,500 47 –

Second 25 percent ........................................................ 100 59 1,000 1,500 2,000 3,000 3,500 41 –

Third 25 percent ............................................................ 100 63 1,000 1,500 2,000 3,500 5,000 37 –

Highest 25 percent ........................................................ 100 50 1,000 1,500 1,500 2,500 3,500 50 –

Highest 10 percent .................................................... 100 46 800 1,500 1,500 2,000 3,000 54 –

Establishment characteristic

Goods-producing industries .............................................. 100 66 1,000 1,500 1,500 2,500 4,000 34 –

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

Manufacturing ............................................................... 100 59 1,500 1,500 1,500 2,000 3,500 41 –

Service-providing industries .............................................. 100 54 1,000 1,500 2,000 3,000 4,000 46 –

Trade, transportation, and utilities ................................. 100 67 1,000 1,500 2,000 3,000 3,500 33 –

Wholesale trade ........................................................ 100 82 – – – – – – –

Transportation and warehousing .............................. 100 54 – – – – – 46 –

Information .................................................................... 100 – – – – – – 68 –

Financial activities ......................................................... 100 59 1,150 1,500 2,000 2,500 3,500 41 –

Finance and insurance .............................................. 100 47 – – – – – 53 –

Credit intermediation and related activities ........... 100 57 1,000 1,500 1,800 2,000 3,500 43 –

Insurance carriers and related activities ............... 100 28 – – – – – 72 –

Professional and business services .............................. 100 53 1,500 1,500 2,500 3,000 3,250 47 –

Education and health services ...................................... 100 46 1,200 1,500 2,000 5,000 5,000 54 –

Educational services ................................................. 100 53 1,000 1,200 1,500 2,000 3,000 47 –

Junior colleges, colleges, and universities ............ 100 48 – – – – – 52 –

Health care and social assistance ............................ 100 – – – – – – 55 –

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, 2010—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

1 to 99 workers ................................................................. 100 66 $1,250 $1,500 $2,500 $3,000 $5,000 34 –

1 to 49 workers ............................................................. 100 69 1,200 1,500 2,000 3,500 5,000 31 –

50 to 99 workers ........................................................... 100 60 1,500 1,500 2,500 3,000 3,000 40 –

100 workers or more ......................................................... 100 48 1,000 1,500 1,500 2,650 3,500 52 –

100 to 499 workers ....................................................... 100 61 1,000 1,500 1,500 3,000 4,000 39 –

500 workers or more ..................................................... 100 40 1,000 1,500 1,500 2,000 3,000 60 –

Geographic area

New England ..................................................................... 100 – – – – – – 59 –

Middle Atlantic ................................................................... 100 42 1,250 1,500 2,500 5,000 5,000 58 –

East North Central ............................................................ 100 – – – – – – 65 –

West North Central ........................................................... 100 58 1,500 1,500 1,700 2,000 2,000 42 –

South Atlantic .................................................................... 100 69 1,000 1,500 2,000 3,000 3,500 31 –

East South Central ............................................................ 100 56 – – – – – 44 –

West South Central ........................................................... 100 72 1,000 1,250 1,500 2,000 3,000 – –

Mountain ........................................................................... 100 65 – – – – – 35 –

Pacific ............................................................................... 100 83 1,500 1,500 2,000 3,000 3,500 17 –

1 The categories are based on the average wage for each occupation surveyed, which may include

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

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

2009." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data

were reported or that data do not meet publication criteria. For definitions of major plans, key provisions,

and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 14. Standard errors for health maintenance organizations: Amount of annual individual out-of-pocket maximum, private

industry workers, National Compensation Survey, 2010

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 ........................................................................ 4.6 $78 $0 $0 $84 $1,062 4.6 –

Management, professional, and related ............................ 6.4 0 225 184 439 1,551 6.4 –

Management, business, and financial ........................... 6.8 260 0 240 907 1,422 6.8 –

Professional and related ............................................... 8.1 – – – – – 8.1 –

Service .............................................................................. 12.5 0 392 383 1,468 0 12.5 –

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

Sales and office ................................................................ 3.9 293 0 0 650 354 3.9 –

Sales and related .......................................................... 5.1 216 49 49 384 0 5.1 –

Office and administrative support ................................. 4.6 339 0 100 432 0 4.6 –

Natural resources, construction, and maintenance ........... 7.9 – – – – – 7.9 –

Construction, extraction, farming, fishing, and forestry 12.2 – – – – – – –

Installation, maintenance, and repair ............................ 8.4 0 629 428 310 537 8.4 –

Production, transportation, and material moving .............. 4.6 380 0 409 613 977 4.6 –

Production ..................................................................... 6.2 665 0 147 114 931 6.2 –

Transportation and material moving ............................. 8.6 139 139 881 733 537 8.6 –

Full time ............................................................................ 4.4 63 0 0 120 1,151 4.4 –

Part time ............................................................................ 11.9 69 0 537 643 450 11.9 –

Union ................................................................................. 4.6 681 0 517 475 572 4.6 –

Nonunion ........................................................................... 5.6 77 0 0 126 1,226 5.6 –

Average wage within the following categories:1

Lowest 25 percent ......................................................... 9.5 310 49 646 219 1,423 9.5 –

Second 25 percent ........................................................ 7.4 90 0 49 207 392 7.4 –

Third 25 percent ............................................................ 5.6 206 0 541 643 996 5.6 –

Highest 25 percent ........................................................ 4.8 228 0 495 242 519 4.8 –

Highest 10 percent .................................................... 4.9 292 196 0 59 0 4.9 –

Establishment characteristic

Goods-producing industries .............................................. 4.8 230 0 177 546 673 4.8 –

Construction .................................................................. 7.9 – – – – – – –

Manufacturing ............................................................... 5.1 219 0 0 150 991 5.1 –

Service-providing industries .............................................. 5.6 197 0 100 0 1,534 5.6 –

Trade, transportation, and utilities ................................. 6.4 0 322 460 0 0 6.4 –

Wholesale trade ........................................................ 6.4 – – – – – – –

Transportation and warehousing .............................. 10.5 – – – – – 10.5 –

Information .................................................................... – – – – – – 12.7 –

Financial activities ......................................................... 6.4 349 329 0 616 1,659 6.4 –

Finance and insurance .............................................. 6.2 – – – – – 6.2 –

Credit intermediation and related activities ........... 8.4 433 69 319 249 933 8.4 –

Insurance carriers and related activities ............... 6.7 – – – – – 6.7 –

Professional and business services .............................. 8.1 0 0 941 325 290 8.1 –

Education and health services ...................................... 11.8 217 0 495 1,796 0 11.8 –

Educational services ................................................. 8.5 254 159 110 39 452 8.5 –

Junior colleges, colleges, and universities ............ 4.7 – – – – – 4.7 –

Health care and social assistance ............................ – – – – – – 13.9 –

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, 2010—Continued

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile 90th percentile

1 to 99 workers ................................................................. 6.0 $121 $0 $653 $537 $1,144 6.0 –

1 to 49 workers ............................................................. 5.8 157 0 582 613 519 5.8 –

50 to 99 workers ........................................................... 10.5 0 0 481 481 996 10.5 –

100 workers or more ......................................................... 5.6 55 0 205 379 240 5.6 –

100 to 499 workers ....................................................... 5.7 269 98 444 49 854 5.7 –

500 workers or more ..................................................... 8.0 0 0 114 295 658 8.0 –

Geographic area

New England ..................................................................... – – – – – – 12.5 –

Middle Atlantic ................................................................... 10.5 500 0 416 2,102 0 10.5 –

East North Central ............................................................ – – – – – – 14.1 –

West North Central ........................................................... 7.1 0 0 40 334 527 7.1 –

South Atlantic .................................................................... 5.0 245 85 109 129 177 5.0 –

East South Central ............................................................ 7.6 – – – – – 7.6 –

West South Central ........................................................... 11.1 0 486 0 971 310 – –

Mountain ........................................................................... 6.7 – – – – – 6.7 –

Pacific ............................................................................... 2.4 404 0 130 572 1,560 2.4 –

1 The categories are based on the average wage for each occupation surveyed, which may

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

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

States, 2009." See Technical Note for more details.

NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 15. Health maintenance organizations: Amount of annual family out-of-pocket maximum, private industry workers, National

Compensation Survey, 2010

(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 54 $2,000 $3,000 $4,000 $6,000 $7,500 46 –

Management, professional, and related ............................ 100 44 2,000 3,000 3,000 5,000 6,000 56 –

Management, business, and financial ........................... 100 52 2,000 3,000 3,000 4,000 6,000 48 –

Professional and related ............................................... 100 41 2,000 2,500 3,000 5,000 6,000 59 –

Service .............................................................................. 100 52 3,000 3,000 5,000 6,500 15,000 48 –

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

Sales and office ................................................................ 100 63 2,250 3,000 4,000 6,000 7,000 37 –

Sales and related .......................................................... 100 76 2,250 3,000 4,000 6,000 7,500 24 –

Office and administrative support ................................. 100 59 2,000 3,000 4,000 6,000 7,000 41 –

Natural resources, construction, and maintenance ........... 100 65 2,000 3,000 6,000 7,500 9,000 35 –

Construction, extraction, farming, fishing, and forestry 100 72 – – – – – – –

Installation, maintenance, and repair ............................ 100 62 3,000 4,000 6,000 7,500 9,000 38 –

Production, transportation, and material moving .............. 100 58 3,000 3,000 4,000 6,000 9,400 42 –

Production ..................................................................... 100 59 2,500 3,000 3,000 4,350 5,000 41 –

Transportation and material moving ............................. 100 56 3,000 3,000 6,000 8,000 10,000 44 –

Full time ............................................................................ 100 54 2,000 3,000 4,000 6,000 7,500 46 –

Part time ............................................................................ 100 50 2,250 3,000 3,000 6,000 7,000 50 –

Union ................................................................................. 100 41 2,500 3,000 3,000 6,000 8,000 59 –

Nonunion ........................................................................... 100 56 2,000 3,000 4,000 6,000 7,500 44 –

Average wage within the following categories:1

Lowest 25 percent ......................................................... 100 52 2,000 3,000 5,000 6,500 9,000 48 –

Second 25 percent ........................................................ 100 56 2,000 3,000 4,000 6,000 7,500 44 –

Third 25 percent ............................................................ 100 60 2,000 3,000 4,500 7,000 9,000 40 –

Highest 25 percent ........................................................ 100 48 2,000 3,000 3,000 5,000 6,500 52 –

Highest 10 percent .................................................... 100 46 1,600 3,000 3,000 4,000 6,000 54 –

Establishment characteristic

Goods-producing industries .............................................. 100 64 2,000 3,000 3,000 6,000 7,500 36 –

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

Manufacturing ............................................................... 100 56 2,500 3,000 3,000 4,350 6,000 44 –

Service-providing industries .............................................. 100 51 2,000 3,000 4,000 6,000 7,500 49 –

Trade, transportation, and utilities ................................. 100 67 2,000 3,000 4,000 7,000 7,500 33 –

Wholesale trade ........................................................ 100 82 – – – – – – –

Transportation and warehousing .............................. 100 54 2,000 3,000 6,000 7,000 7,500 46 –

Information .................................................................... 100 – – – – – – 68 –

Financial activities ......................................................... 100 58 2,500 3,000 4,000 6,000 9,400 42 –

Finance and insurance .............................................. 100 46 – – – – – 54 –

Credit intermediation and related activities ........... 100 56 2,000 3,000 4,000 6,000 7,000 44 –

Insurance carriers and related activities ............... 100 28 – – – – – 72 –

Professional and business services .............................. 100 53 3,000 3,000 5,000 6,000 6,500 47 –

Education and health services ...................................... 100 39 – – – – – 61 –

Educational services ................................................. 100 53 2,400 2,400 3,000 4,500 6,000 47 –

Junior colleges, colleges, and universities ............ 100 48 – – – – – 52 –

Health care and social assistance ............................ 100 37 2,500 3,000 4,000 6,000 15,000 63 –

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, 2010—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

1 to 99 workers ................................................................. 100 61 $2,400 $3,000 $4,500 $6,000 $7,500 39 –

1 to 49 workers ............................................................. 100 62 2,400 3,000 4,000 7,000 9,000 38 –

50 to 99 workers ........................................................... 100 60 2,500 3,000 5,000 6,000 7,000 40 –

100 workers or more ......................................................... 100 48 2,000 3,000 3,000 6,000 7,500 52 –

100 to 499 workers ....................................................... 100 60 2,000 3,000 3,500 6,000 9,000 40 –

500 workers or more ..................................................... 100 40 2,000 3,000 3,000 4,800 7,000 60 –

Geographic area

New England ..................................................................... 100 – – – – – – 60 –

Middle Atlantic ................................................................... 100 32 2,000 3,000 5,000 6,000 9,000 68 –

East North Central ............................................................ 100 – – – – – – 65 –

West North Central ........................................................... 100 58 3,000 3,000 4,000 4,350 4,350 42 –

South Atlantic .................................................................... 100 69 2,250 3,000 4,400 6,000 9,000 31 –

East South Central ............................................................ 100 56 – – – – – 44 –

West South Central ........................................................... 100 72 2,000 2,500 3,000 6,000 7,500 – –

Mountain ........................................................................... 100 65 – – – – – 35 –

Pacific ............................................................................... 100 83 2,500 3,000 4,000 7,000 9,000 17 –

1 The categories are based on the average wage for each occupation surveyed, which may include

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

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

2009." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data

were reported or that data do not meet publication criteria. For definitions of major plans, key provisions,

and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 15. Standard errors for health maintenance organizations: Amount of annual family out-of-pocket maximum, private industry

workers, National Compensation Survey, 2010

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 ........................................................................ 4.0 $186 $0 $0 $0 $821 4.0 –

Management, professional, and related ............................ 5.9 0 608 0 245 0 5.9 –

Management, business, and financial ........................... 5.0 491 310 98 1,090 1,320 5.0 –

Professional and related ............................................... 7.6 0 592 59 471 0 7.6 –

Service .............................................................................. 10.2 196 963 754 2,263 5,909 10.2 –

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

Sales and office ................................................................ 4.0 309 0 98 277 721 4.0 –

Sales and related .......................................................... 5.1 0 0 0 1,478 1,843 5.1 –

Office and administrative support ................................. 4.9 626 0 440 339 0 4.9 –

Natural resources, construction, and maintenance ........... 7.9 643 460 620 580 0 7.9 –

Construction, extraction, farming, fishing, and forestry 12.2 – – – – – – –

Installation, maintenance, and repair ............................ 8.4 0 1,613 439 589 951 8.4 –

Production, transportation, and material moving .............. 4.5 636 0 580 1,316 1,428 4.5 –

Production ..................................................................... 6.5 728 0 481 459 1,308 6.5 –

Transportation and material moving ............................. 8.3 0 687 1,373 1,642 589 8.3 –

Full time ............................................................................ 3.8 140 0 0 0 1,144 3.8 –

Part time ............................................................................ 11.9 182 0 1,165 680 219 11.9 –

Union ................................................................................. 4.6 869 0 1,057 961 1,529 4.6 –

Nonunion ........................................................................... 4.7 131 0 69 0 1,052 4.7 –

Average wage within the following categories:1

Lowest 25 percent ......................................................... 9.4 578 147 766 651 2,612 9.4 –

Second 25 percent ........................................................ 7.2 205 0 554 0 481 7.2 –

Third 25 percent ............................................................ 4.4 595 0 819 1,088 1,102 4.4 –

Highest 25 percent ........................................................ 5.4 360 0 528 277 976 5.4 –

Highest 10 percent .................................................... 4.9 583 407 0 284 139 4.9 –

Establishment characteristic

Goods-producing industries .............................................. 5.5 277 0 701 1,005 1,165 5.5 –

Construction .................................................................. 7.9 – – – – – – –

Manufacturing ............................................................... 5.8 528 0 0 547 1,194 5.8 –

Service-providing industries .............................................. 4.7 414 0 260 0 1,106 4.7 –

Trade, transportation, and utilities ................................. 6.4 196 354 1,173 1,092 340 6.4 –

Wholesale trade ........................................................ 6.4 – – – – – – –

Transportation and warehousing .............................. 10.5 877 687 2,425 0 687 10.5 –

Information .................................................................... – – – – – – 12.7 –

Financial activities ......................................................... 6.4 659 869 0 2,009 909 6.4 –

Finance and insurance .............................................. 6.3 – – – – – 6.3 –

Credit intermediation and related activities ........... 8.3 812 651 620 2,191 1,075 8.3 –

Insurance carriers and related activities ............... 6.6 – – – – – 6.6 –

Professional and business services .............................. 8.1 0 0 1,892 294 564 8.1 –

Education and health services ...................................... 8.9 – – – – – 8.9 –

Educational services ................................................. 8.5 549 397 392 1,501 1,798 8.5 –

Junior colleges, colleges, and universities ............ 4.7 – – – – – 4.7 –

Health care and social assistance ............................ 9.8 765 0 1,169 2,327 6,552 9.8 –

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, 2010—Continued

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 3.8 $168 $0 $835 $1,075 $1,249 3.8 –

1 to 49 workers ............................................................. 4.5 207 0 874 1,287 2,104 4.5 –

50 to 99 workers ........................................................... 10.6 680 0 855 481 1,061 10.6 –

100 workers or more ......................................................... 5.6 126 0 510 618 1,079 5.6 –

100 to 499 workers ....................................................... 5.7 471 196 981 0 1,210 5.7 –

500 workers or more ..................................................... 8.0 0 0 277 445 340 8.0 –

Geographic area

New England ..................................................................... – – – – – – 12.4 –

Middle Atlantic ................................................................... 4.6 855 450 1,000 1,127 1,531 4.6 –

East North Central ............................................................ – – – – – – 14.0 –

West North Central ........................................................... 7.1 0 166 260 97 1,088 7.1 –

South Atlantic .................................................................... 5.0 164 0 1,859 636 1,494 5.0 –

East South Central ............................................................ 7.6 – – – – – 7.6 –

West South Central ........................................................... 11.1 0 971 537 2,222 2,052 – –

Mountain ........................................................................... 6.7 – – – – – 6.7 –

Pacific ............................................................................... 2.3 620 0 310 1,034 3,821 2.3 –

1 The categories are based on the average wage for each occupation surveyed, which may include

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

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

2009." See Technical Note for more details.

NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 16. High deductible health plans:1

 Amount of annual individual deductible, private industry workers,

National Compensation Survey, 2010

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

Characteristics Total With

deductible

Amount of annual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 100 100 $1,000 $1,000 $1,500 $2,500 $3,000

Management, professional, and related ............................ 100 100 1,000 1,000 1,500 2,000 2,600

Management, business, and financial ........................... 100 100 1,000 1,000 1,500 2,500 2,750

Professional and related ............................................... 100 100 1,000 1,000 1,500 2,000 2,600

Service .............................................................................. 100 100 1,000 1,100 2,000 2,500 4,000

Sales and office ................................................................ 100 100 1,000 1,000 1,500 2,500 2,850

Sales and related .......................................................... 100 100 1,000 1,500 1,600 2,500 3,000

Office and administrative support ................................. 100 100 1,000 1,000 1,500 2,500 2,600

Natural resources, construction, and maintenance ........... 100 100 1,000 1,000 2,000 2,500 4,000

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

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

Production, transportation, and material moving .............. 100 100 1,000 1,140 1,500 2,500 3,000

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

Transportation and material moving ............................. 100 100 1,000 1,250 1,500 2,500 2,500

Full time ............................................................................ 100 100 1,000 1,000 1,500 2,500 3,000

Part time ............................................................................ 100 100 – – – – –

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

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

Average wage within the following categories:2

Lowest 25 percent ......................................................... 100 100 1,000 1,250 2,000 2,500 3,000

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

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

Highest 25 percent ........................................................ 100 100 1,000 1,150 1,500 2,000 2,600

Highest 10 percent .................................................... 100 100 1,000 1,150 1,500 2,500 2,600

Establishment characteristic

Goods-producing industries .............................................. 100 100 1,000 1,000 1,500 2,250 3,000

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

Manufacturing ............................................................... 100 100 1,000 1,000 1,500 2,250 3,000

Service-providing industries .............................................. 100 100 1,000 1,100 1,500 2,500 2,750

Trade, transportation, and utilities ................................. 100 100 1,000 1,140 1,500 2,500 2,500

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

Information .................................................................... 100 100 1,000 1,000 1,200 1,250 2,000

Financial activities ......................................................... 100 100 1,000 1,100 1,500 2,000 2,250

Finance and insurance .............................................. 100 100 1,000 1,000 1,500 1,600 2,500

Credit intermediation and related activities ........... 100 100 1,000 1,150 1,500 1,600 2,250

Insurance carriers and related activities ............... 100 100 1,000 1,000 1,250 1,600 2,000

Professional and business services .............................. 100 100 – – – – –

Education and health services ...................................... 100 100 1,000 1,000 2,000 2,500 2,600

Educational services ................................................. 100 100 1,000 1,000 1,500 2,000 2,500

Junior colleges, colleges, and universities ............ 100 100 1,000 1,000 1,500 2,500 5,000

Health care and social assistance ............................ 100 100 1,000 1,000 2,000 2,500 2,600

See footnotes at end of table.
Table 16. High deductible health plans:1

 Amount of annual individual deductible, private industry workers,

National Compensation Survey, 2010—Continued

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

Characteristics Total With

deductible

Amount of annual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 100 100 $1,000 $1,140 $2,000 $2,500 $3,000

1 to 49 workers ............................................................. 100 100 1,000 1,100 2,000 2,500 3,000

50 to 99 workers ........................................................... 100 100 1,000 1,250 2,000 2,500 2,600

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

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

500 workers or more ..................................................... 100 100 1,000 1,000 1,400 2,000 2,500

Geographic area

New England ..................................................................... 100 100 1,000 1,000 1,250 2,000 2,000

Middle Atlantic ................................................................... 100 100 1,000 1,250 2,000 2,500 2,850

East North Central ............................................................ 100 100 1,000 1,150 1,500 2,500 2,500

West North Central ........................................................... 100 100 1,000 1,300 1,500 2,000 2,500

South Atlantic .................................................................... 100 100 – – – – –

East South Central ............................................................ 100 100 1,000 1,500 2,000 2,000 3,000

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

Mountain ........................................................................... 100 100 1,000 1,000 1,500 2,600 5,000

Pacific ............................................................................... 100 100 1,000 1,100 1,500 2,500 2,600

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 $1,000 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. The estimates for HDHP

plans should not be compared with data from previous years due to changes in the

definition. 2 The categories are based on the average wage for each occupation surveyed,

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

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

Survey: Occupational Earnings in the United States, 2009." See Technical Note for

more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dashes

indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 16. Standard errors for high deductible health plans:1

 Amount of annual individual deductible,

private industry workers, National Compensation Survey, 2010

Characteristics With

deductible

Amount of annual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 2 ( ) $0 $130 $0 $55 $354

Management, professional, and related ............................ 2 ( ) 0 240 65 55 136

Management, business, and financial ........................... 2 ( ) 0 196 65 341 329

Professional and related ............................................... 2 ( ) 0 280 174 0 220

Service .............................................................................. 2 ( ) 0 299 357 98 1,309

Sales and office ................................................................ 2 ( ) 0 103 0 168 336

Sales and related .......................................................... 2 ( ) 0 247 276 0 242

Office and administrative support ................................. 2 ( ) 0 35 39 486 415

Natural resources, construction, and maintenance ........... 2 ( ) 0 44 709 417 1,797

Construction, extraction, farming, fishing, and forestry 2 () – – – – –

Installation, maintenance, and repair ............................ 2 ( ) 0 93 514 291 628

Production, transportation, and material moving .............. 2 ( ) 0 183 337 0 139

Production ..................................................................... 2 ( ) 0 20 553 110 402

Transportation and material moving ............................. 2 ( ) 148 212 719 0 196

Full time ............................................................................ 2 ( ) 0 81 0 49 341

Part time ............................................................................ 2 () – – – – –

Union ................................................................................. 2 ( ) 20 132 170 414 39

Nonunion ........................................................................... 2 ( ) 0 105 34 0 271

Average wage within the following categories:3

Lowest 25 percent ......................................................... 2 ( ) 0 92 292 0 666

Second 25 percent ........................................................ 2 ( ) 0 0 0 273 497

Third 25 percent ............................................................ 2 ( ) 0 28 0 199 261

Highest 25 percent ........................................................ 2 ( ) 0 118 86 456 88

Highest 10 percent .................................................... 2 ( ) 0 177 182 623 20

Establishment characteristic

Goods-producing industries .............................................. 2 ( ) 0 0 163 344 129

Construction .................................................................. 2 ( ) 0 0 741 260 450

Manufacturing ............................................................... 2 ( ) 0 78 252 248 170

Service-providing industries .............................................. 2 ( ) 0 121 0 44 329

Trade, transportation, and utilities ................................. 2 ( ) 0 123 139 0 69

Wholesale trade ........................................................ 2 ( ) 235 316 555 0 0

Information .................................................................... 2 ( ) 0 123 42 302 196

Financial activities ......................................................... 2 ( ) 0 161 0 193 345

Finance and insurance .............................................. 2 ( ) 0 122 105 434 384

Credit intermediation and related activities ........... 2 ( ) 0 227 78 526 342

Insurance carriers and related activities ............... 2 ( ) 0 78 29 154 475

Professional and business services .............................. 2 () – – – – –

Education and health services ...................................... 2 ( ) 0 39 533 523 145

Educational services ................................................. 2 ( ) 0 281 339 448 1,187

Junior colleges, colleges, and universities ............ 2 ( ) 0 286 0 1,110 1,241

Health care and social assistance ............................ 2 ( ) 0 98 349 387 121

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, 2010—Continued

Characteristics With

deductible

Amount of annual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 2 ( ) $0 $142 $271 $0 $93

1 to 49 workers ............................................................. 2 ( ) 0 186 347 0 42

50 to 99 workers ........................................................... 2 ( ) 0 214 394 53 208

100 workers or more ......................................................... 2 ( ) 0 0 0 92 144

100 to 499 workers ....................................................... 2 ( ) 0 98 0 198 554

500 workers or more ..................................................... 2 ( ) 0 0 195 395 0

Geographic area

New England ..................................................................... 2 ( ) 0 0 294 142 0

Middle Atlantic ................................................................... 2 ( ) 0 423 605 0 434

East North Central ............................................................ 2 ( ) 0 177 39 543 0

West North Central ........................................................... 2 ( ) 0 339 0 201 388

South Atlantic .................................................................... 2 () – – – – –

East South Central ............................................................ 2 ( ) 130 167 396 439 832

West South Central ........................................................... 2 ( ) 0 275 420 363 0

Mountain ........................................................................... 2 ( ) 0 453 680 199 2,308

Pacific ............................................................................... 2 ( ) 0 130 181 446 549

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 $1,000 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. The

estimates for HDHP plans should not be compared with data from previous years

due to changes in the definition. 2 Less than 0.05. 3 The categories are based on the average wage for each occupation

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

threshold. The average wages are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in the United States,

2009." See Technical Note for more details.

NOTE: Dashes indicate that no data were reported or that data do not meet

publication criteria. For definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 17. Consumer-driven health plans:1

 Amount of annual individual deductible, private industry workers,

National Compensation Survey, 2010

(All workers participating in consumer-driven health plans = 100 percent)

Characteristics Total With

deductible

Amount of annual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 100 100 $1,100 $1,250 $1,650 $2,500 $2,600

Management, professional, and related ............................ 100 100 1,100 1,200 1,500 2,500 2,600

Management, business, and financial ........................... 100 100 1,000 1,250 1,700 2,500 2,850

Professional and related ............................................... 100 100 1,100 1,200 1,500 2,000 2,600

Sales and office ................................................................ 100 100 1,000 1,250 1,500 2,500 2,600

Sales and related .......................................................... 100 100 950 1,500 2,000 2,500 2,850

Office and administrative support ................................. 100 100 1,000 1,250 1,500 2,500 2,600

Natural resources, construction, and maintenance ........... 100 100 1,400 1,500 2,500 2,500 4,000

Production, transportation, and material moving .............. 100 100 1,250 1,500 2,250 2,500 2,500

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

Full time ............................................................................ 100 100 1,100 1,300 1,800 2,500 2,600

Part time ............................................................................ 100 100 1,200 1,250 1,500 2,300 2,500

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

Nonunion ........................................................................... 100 100 1,100 1,500 1,800 2,500 2,600

Average wage within the following categories:2

Lowest 25 percent ......................................................... 100 100 1,200 1,250 2,300 2,500 2,500

Second 25 percent ........................................................ 100 100 1,200 1,500 1,600 2,500 3,000

Third 25 percent ............................................................ 100 100 1,000 1,250 1,600 2,500 2,600

Highest 25 percent ........................................................ 100 100 1,000 1,250 1,600 2,500 2,600

Highest 10 percent .................................................... 100 100 1,150 1,250 1,800 2,600 2,600

Establishment characteristic

Goods-producing industries .............................................. 100 100 1,200 1,500 2,000 2,500 3,000

Manufacturing ............................................................... 100 100 1,200 1,500 1,800 2,000 2,500

Service-providing industries .............................................. 100 100 1,000 1,250 1,600 2,500 2,600

Trade, transportation, and utilities ................................. 100 100 1,200 1,250 2,500 2,500 2,500

Financial activities ......................................................... 100 100 1,000 1,250 1,500 2,000 2,500

Finance and insurance .............................................. 100 100 – – – – –

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

Insurance carriers and related activities ............... 100 100 1,000 1,200 1,300 1,600 2,500

Professional and business services .............................. 100 100 1,200 1,500 1,500 2,500 2,850

Education and health services ...................................... 100 100 1,000 1,200 2,000 2,600 2,600

Educational services:

 Junior colleges, colleges, and universities ............ 100 100 – – – – –

Health care and social assistance ............................ 100 100 1,000 1,250 2,000 2,600 2,600

See footnotes at end of table.
Table 17. Consumer-driven health plans:1

 Amount of annual individual deductible, private industry workers,

National Compensation Survey, 2010—Continued

(All workers participating in consumer-driven health plans = 100 percent)

Characteristics Total With

deductible

Amount of annual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 100 100 $1,200 $1,500 $2,250 $2,500 $2,600

1 to 49 workers ............................................................. 100 100 1,200 1,500 2,000 2,500 2,600

50 to 99 workers ........................................................... 100 100 1,250 1,500 2,500 2,600 2,600

100 workers or more ......................................................... 100 100 1,000 1,250 1,500 2,000 2,500

100 to 499 workers ....................................................... 100 100 1,150 1,250 1,600 2,150 2,500

500 workers or more ..................................................... 100 100 1,000 1,200 1,500 1,800 2,500

Geographic area

New England ..................................................................... 100 100 1,100 1,250 1,500 – 2,000

East North Central ............................................................ 100 100 1,200 1,300 1,600 2,500 2,500

West North Central ........................................................... 100 100 1,000 1,500 1,600 2,500 2,750

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

East South Central ............................................................ 100 100 1,200 1,500 1,500 – 2,500

Pacific ............................................................................... 100 100 1,100 1,250 2,000 2,600 2,600

1 A consumer-driven health plan (CDHP) is a health plan that combines a

major-medical health policy that provides protection from catastrophic medical

expenses with a tax-favored account to pay routine health care expenses such as

prescriptions and doctor’s visits. 2 The categories are based on the average wage for each occupation surveyed,

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

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

Survey: Occupational Earnings in the United States, 2009." See Technical Note for

more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dashes

indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 17. Standard errors for consumer-driven health plans:1

 Amount of annual individual deductible,

private industry workers, National Compensation Survey, 2010

Characteristics With

deductible

Amount of annual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 2 ( ) $138 $239 $263 $0 $49

Management, professional, and related ............................ 2 ( ) 126 69 90 562 0

Management, business, and financial ........................... 2 ( ) 118 88 270 232 186

Professional and related ............................................... 2 ( ) 151 71 39 749 34

Sales and office ................................................................ 2 ( ) 20 57 127 229 44

Sales and related .......................................................... 2 ( ) 471 53 337 90 481

Office and administrative support ................................. 2 ( ) 53 46 28 525 20

Natural resources, construction, and maintenance ........... 2 ( ) 299 525 200 615 1,189

Production, transportation, and material moving .............. 2 ( ) 147 143 423 0 658

Production ..................................................................... 2 ( ) 101 0 0 196 461

Full time ............................................................................ 2 ( ) 140 230 287 0 90

Part time ............................................................................ 2 ( ) 304 66 0 760 0

Union ................................................................................. 2 ( ) 111 0 222 615 981

Nonunion ........................................................................... 2 ( ) 135 284 298 0 75

Average wage within the following categories:3

Lowest 25 percent ......................................................... 2 ( ) 75 217 325 0 647

Second 25 percent ........................................................ 2 ( ) 65 63 510 49 623

Third 25 percent ............................................................ 2 ( ) 126 280 166 0 320

Highest 25 percent ........................................................ 2 ( ) 121 113 275 568 55

Highest 10 percent .................................................... 2 ( ) 174 264 485 166 0

Establishment characteristic

Goods-producing industries .............................................. 2 ( ) 29 0 150 282 449

Manufacturing ............................................................... 2 ( ) 67 235 283 203 507

Service-providing industries .............................................. 2 ( ) 117 71 234 0 48

Trade, transportation, and utilities ................................. 2 ( ) 138 139 470 0 0

Financial activities ......................................................... 2 ( ) 382 130 114 58 303

Finance and insurance .............................................. 2 () – – – – –

Credit intermediation and related activities ........... 2 () – – – – –

Insurance carriers and related activities ............... 2 ( ) 68 126 212 147 577

Professional and business services .............................. 2 ( ) 320 0 286 320 266

Education and health services ...................................... 2 ( ) 73 276 808 62 0

Educational services:

 Junior colleges, colleges, and universities ............ 2 () – – – – –

Health care and social assistance ............................ 2 ( ) 39 384 858 0 0

See footnotes at end of table.
Table 17. Standard errors for consumer-driven health plans:1

 Amount of annual individual deductible,

private industry workers, National Compensation Survey, 2010—Continued

Characteristics With

deductible

Amount of annual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 2 ( ) $44 $0 $411 $71 $337

1 to 49 workers ............................................................. 2 ( ) 236 208 326 28 337

50 to 99 workers ........................................................... 2 ( ) 130 507 219 130 503

100 workers or more ......................................................... 2 ( ) 35 48 0 34 0

100 to 499 workers ....................................................... 2 ( ) 58 257 86 327 79

500 workers or more ..................................................... 2 ( ) 0 136 39 190 319

Geographic area

New England ..................................................................... 2 ( ) 237 0 120 – 827

East North Central ............................................................ 2 ( ) 44 301 309 39 0

West North Central ........................................................... 2 ( ) 90 0 488 560 366

South Atlantic .................................................................... 2 ( ) 0 89 0 381 546

East South Central ............................................................ 2 ( ) 103 256 0 – 460

Pacific ............................................................................... 2 ( ) 129 356 583 100 555

1 A consumer-driven health plan (CDHP) is a health plan that combines a

major-medical health policy that provides protection from catastrophic medical

expenses with a tax-favored account to pay routine health care expenses such

as prescriptions and doctor’s visits. 2 Less than 0.05. 3 The categories are based on the average wage for each occupation

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

threshold. The average wages are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in the United States,

2009." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals.

Dashes indicate that no data were reported or that data do not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 18. Outpatient prescription drug benefits:1

 Type of coverage, private industry workers,

National Compensation Survey, 2010

(All workers participating in outpatient prescription drug plans = 100 percent)

Characteristics Generic drugs Brand-name

drugs

Mail order

drugs

Higher

reimbursement

for formulary

drugs

Worker characteristic

All workers ........................................................................ 100 99 82 78

Management, professional, and related ............................ 100 100 80 79

Management, business, and financial ........................... 100 100 83 81

Professional and related ............................................... 100 100 79 78

Service .............................................................................. 100 96 78 74

Protective service .......................................................... 100 100 88 84

Sales and office ................................................................ 100 99 83 79

Sales and related .......................................................... 100 98 89 81

Office and administrative support ................................. 100 99 80 78

Natural resources, construction, and maintenance ........... 100 99 79 80

Construction, extraction, farming, fishing, and forestry 100 99 78 79

Installation, maintenance, and repair ............................ 100 99 79 81

Production, transportation, and material moving .............. 100 99 85 78

Production ..................................................................... 100 100 85 73

Transportation and material moving ............................. 100 99 86 84

Full time ............................................................................ 100 99 82 79

Part time ............................................................................ 100 100 77 78

Union ................................................................................. 100 100 86 75

Nonunion ........................................................................... 100 99 81 79

Average wage within the following categories:2

Lowest 25 percent ......................................................... 100 99 84 77

Second 25 percent ........................................................ 100 99 80 79

Third 25 percent ............................................................ 100 98 79 78

Highest 25 percent ........................................................ 100 100 84 79

Highest 10 percent .................................................... 100 100 86 80

Establishment characteristic

Goods-producing industries .............................................. 100 99 86 78

Construction .................................................................. 100 99 78 80

Manufacturing ............................................................... 100 99 88 77

Service-providing industries .............................................. 100 99 80 79

Trade, transportation, and utilities ................................. 100 99 89 83

Wholesale trade ........................................................ 100 99 95 84

Transportation and warehousing .............................. 100 100 88 79

Information .................................................................... 100 100 79 63

Financial activities ......................................................... 100 98 76 79

Finance and insurance .............................................. 99 99 79 77

Credit intermediation and related activities ........... 100 100 69 79

Insurance carriers and related activities ............... 100 100 86 74

Professional and business services .............................. 100 100 82 80

Education and health services ...................................... 100 97 75 73

Educational services ................................................. 100 99 85 84

Junior colleges, colleges, and universities ............ 100 100 80 78

Health care and social assistance ............................ 100 96 74 71

See footnotes at end of table.
Table 18. Outpatient prescription drug benefits:1

 Type of coverage, private industry workers,

National Compensation Survey, 2010—Continued

(All workers participating in outpatient prescription drug plans = 100 percent)

Characteristics Generic drugs Brand-name

drugs

Mail order

drugs

Higher

reimbursement

for formulary

drugs

1 to 99 workers ................................................................. 100 98 77 75

1 to 49 workers ............................................................. 100 97 74 77

50 to 99 workers ........................................................... 100 99 87 69

100 workers or more ......................................................... 100 100 84 81

100 to 499 workers ....................................................... 100 100 84 83

500 workers or more ..................................................... 100 99 85 79

Geographic area

New England ..................................................................... 100 100 95 93

Middle Atlantic ................................................................... 100 98 77 79

East North Central ............................................................ 100 100 87 78

West North Central ........................................................... 100 100 75 70

South Atlantic .................................................................... 100 100 84 83

East South Central ............................................................ 100 100 77 81

West South Central ........................................................... 100 100 77 79

Mountain ........................................................................... 100 99 79 70

Pacific ............................................................................... 100 96 84 74

1 Outpatient prescription drug benefits include both stand-alone

drug plans and prescription drug benefits included as part of a medical

plan. 2 The categories are based on the average wage for each

occupation surveyed, which may include workers with earnings both

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

estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2009." See Technical Note

for more details.

NOTE: Dashes indicate that no data were reported or that data do not

meet publication criteria. For definitions of major plans, key provisions,

and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 18. Standard errors for outpatient prescription drug benefits:1

 Type of coverage,

private industry workers, National Compensation Survey, 2010

Characteristics Generic drugs Brand-name

drugs

Mail order

drugs

Higher

reimbursement

for formulary

drugs

Worker characteristic

All workers ........................................................................ 2 ( ) 0.5 1.5 1.6

Management, professional, and related ............................ 0.1 0.2 2.4 2.4

Management, business, and financial ........................... 0.1 0.2 2.7 3.1

Professional and related ............................................... 0.1 0.2 3.0 3.3

Service .............................................................................. 2 ( ) 3.8 5.7 4.9

Protective service .......................................................... 2 ( ) 0.3 10.3 10.4

Sales and office ................................................................ 0.1 0.3 2.4 2.6

Sales and related .......................................................... 2 ( ) 0.8 2.5 2.7

Office and administrative support ................................. 0.1 0.2 3.3 3.2

Natural resources, construction, and maintenance ........... 2 ( ) 0.5 2.7 2.7

Construction, extraction, farming, fishing, and forestry 2 ( ) 1.1 5.2 5.1

Installation, maintenance, and repair ............................ 2 ( ) 0.5 3.9 2.6

Production, transportation, and material moving .............. 2 ( ) 0.5 2.7 2.5

Production ..................................................................... 2 ( ) 0.3 3.1 3.6

Transportation and material moving ............................. 2 ( ) 0.8 3.6 2.7

Full time ............................................................................ 2 ( ) 0.5 1.5 1.5

Part time ............................................................................ 2 ( ) 0.2 6.6 6.6

Union ................................................................................. 2 ( ) 0.3 3.6 2.1

Nonunion ........................................................................... 2 ( ) 0.6 1.6 1.8

Average wage within the following categories:3

Lowest 25 percent ......................................................... 2 ( ) 0.7 3.9 3.7

Second 25 percent ........................................................ 0.1 0.3 2.1 2.1

Third 25 percent ............................................................ 2 ( ) 1.4 2.0 2.2

Highest 25 percent ........................................................ 0.1 0.2 1.8 2.1

Highest 10 percent .................................................... 2 ( ) 0.1 2.7 3.0

Establishment characteristic

Goods-producing industries .............................................. 2 ( ) 0.4 2.0 2.3

Construction .................................................................. 2 ( ) 1.2 4.8 4.2

Manufacturing ............................................................... 2 ( ) 0.5 2.1 2.7

Service-providing industries .............................................. 2 ( ) 0.6 1.9 1.8

Trade, transportation, and utilities ................................. 2 ( ) 0.3 1.7 1.9

Wholesale trade ........................................................ 2 ( ) 0.6 1.5 3.9

Transportation and warehousing .............................. 2 ( ) 2 ( ) 4.8 3.9

Information .................................................................... 2 ( ) 2 ( ) 5.7 6.6

Financial activities ......................................................... 0.3 1.0 3.2 3.6

Finance and insurance .............................................. 0.4 0.4 3.2 3.7

Credit intermediation and related activities ........... 2 ( ) 2 ( ) 5.5 4.5

Insurance carriers and related activities ............... 2 ( ) 2 ( ) 5.8 6.4

Professional and business services .............................. 2 ( ) 2 ( ) 5.1 4.3

Education and health services ...................................... 2 ( ) 2.2 4.5 5.4

Educational services ................................................. 2 ( ) 0.5 3.3 3.0

Junior colleges, colleges, and universities ............ 2 ( ) 2 ( ) 4.1 4.1

Health care and social assistance ............................ 2 ( ) 2.5 5.4 6.3

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, 2010—Continued

Characteristics Generic drugs Brand-name

drugs

Mail order

drugs

Higher

reimbursement

for formulary

drugs

1 to 99 workers ................................................................. 2 ( ) 1.1 2.7 2.6

1 to 49 workers ............................................................. 2 ( ) 1.6 3.2 3.4

50 to 99 workers ........................................................... 2 ( ) 0.5 2.7 4.8

100 workers or more ......................................................... 2 ( ) 0.2 1.9 1.7

100 to 499 workers ....................................................... 2 ( ) 0.3 2.5 2.2

500 workers or more ..................................................... 0.1 0.2 2.5 2.7

Geographic area

New England ..................................................................... 2 ( ) 2 ( ) 1.5 1.8

Middle Atlantic ................................................................... 2 ( ) 0.9 3.8 2.2

East North Central ............................................................ 2 ( ) 0.1 2.0 3.3

West North Central ........................................................... 2 ( ) 0.3 4.1 3.0

South Atlantic .................................................................... 2 ( ) 0.2 2.6 3.0

East South Central ............................................................ 2 ( ) 0.2 5.6 4.2

West South Central ........................................................... 0.2 0.2 7.4 4.6

Mountain ........................................................................... 2 ( ) 1.3 5.8 6.9

Pacific ............................................................................... 2 ( ) 2.8 3.5 6.5

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 The categories are based on the average wage for each

occupation surveyed, which may include workers with earnings both

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

estimates published in the "National Compensation Survey:

Occupational Earnings in the United States, 2009." See Technical Note

for more details.

NOTE: Dashes indicate that no data were reported or that data do not

meet publication criteria. For definitions of major plans, key provisions,

and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 19. Outpatient prescription drug benefits:1

 Copayment provisions, private industry workers, National Compensation Survey,

2010

(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 14 3 $10 83 14 3 $25

Management, professional, and related ............................ 81 15 4 10 81 14 4 25

Management, business, and financial ........................... 80 14 6 10 82 12 6 25

Professional and related ............................................... 81 16 3 10 81 15 3 25

Service .............................................................................. 88 11 1 10 87 11 2 30

Protective service .......................................................... 99 – – – 99 – – 30

Sales and office ................................................................ 83 14 3 10 81 15 4 30

Sales and related .......................................................... 86 13 4 ( ) 10 83 15 2 30

Office and administrative support ................................. 81 14 4 10 80 15 5 25

Natural resources, construction, and maintenance ........... 85 14 1 10 85 14 1 25

Construction, extraction, farming, fishing, and forestry 82 – – 10 81 – – 25

Installation, maintenance, and repair ............................ 87 11 2 10 87 11 2 25

Production, transportation, and material moving .............. 86 12 2 10 85 13 2 25

Production ..................................................................... 82 17 2 10 82 16 2 30

Transportation and material moving ............................. 92 – – 10 89 9 2 25

Full time ............................................................................ 84 14 3 10 83 14 3 25

Part time ............................................................................ 83 15 2 – 83 15 2 30

Union ................................................................................. 81 17 2 10 82 16 2 20

Nonunion ........................................................................... 84 13 3 10 83 13 3 30

Average wage within the following categories:5

Lowest 25 percent ......................................................... 84 15 1 10 84 15 2 30

Second 25 percent ........................................................ 88 10 2 10 86 11 3 30

Third 25 percent ............................................................ 84 14 3 10 83 14 3 25

Highest 25 percent ........................................................ 80 16 4 10 81 15 4 25

Highest 10 percent .................................................... 81 14 5 10 81 14 5 25

Establishment characteristic

Goods-producing industries .............................................. 82 16 2 10 83 14 3 25

Construction .................................................................. 80 19 1 10 83 16 1 30

Manufacturing ............................................................... 82 15 3 10 82 15 3 25

Service-providing industries .............................................. 84 13 3 10 83 14 3 25

Trade, transportation, and utilities ................................. 90 10 1 10 87 12 1 30

Wholesale trade ........................................................ 91 – – 10 92 – – 30

Transportation and warehousing .............................. 87 – – 10 83 14 3 25

Information .................................................................... 78 14 9 10 80 11 9 25

Financial activities ......................................................... 79 14 7 10 76 17 7 25

Finance and insurance .............................................. 75 17 9 10 72 19 9 25

Credit intermediation and related activities ........... 73 12 15 10 71 14 15 25

Insurance carriers and related activities ............... 76 21 2 10 74 24 2 25

Professional and business services .............................. 79 16 6 10 80 14 6 30

Education and health services ...................................... 82 17 2 10 80 18 2 25

Educational services ................................................. 88 – – 10 90 – – 25

Junior colleges, colleges, and universities ............ 91 9 4 ( ) 10 91 9 4 ( ) 25

Health care and social assistance ............................ 80 17 2 10 78 19 2 25

See footnotes at end of table.
Table 19. Outpatient prescription drug benefits:1

 Copayment provisions, private industry workers, National Compensation Survey,

2010—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

1 to 99 workers ................................................................. 82 16 2 $10 80 17 3 $30

1 to 49 workers ............................................................. 83 15 2 10 81 17 2 30

50 to 99 workers ........................................................... 80 16 4 10 78 18 4 30

100 workers or more ......................................................... 84 12 3 10 85 12 4 25

100 to 499 workers ....................................................... 85 14 2 10 85 13 2 30

500 workers or more ..................................................... 84 11 5 10 85 10 5 25

Geographic area

New England ..................................................................... 95 – – 10 95 – – 30

Middle Atlantic ................................................................... 90 8 2 10 91 7 2 25

East North Central ............................................................ 82 15 3 10 81 16 3 25

West North Central ........................................................... 67 28 5 10 65 30 5 25

South Atlantic .................................................................... 84 14 2 10 85 13 2 30

East South Central ............................................................ 78 – – 10 77 – – 30

West South Central ........................................................... 80 18 2 10 78 20 2 30

Mountain ........................................................................... 81 – – 10 79 – – 25

Pacific ............................................................................... 87 10 2 10 88 9 4 25

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 The categories are based on the average wage for each occupation surveyed, which may include

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

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

2009." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no

data were reported or that data do not meet publication criteria. For definitions of major plans, key

provisions, and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 19. Standard errors for outpatient prescription drug benefits:1

 Copayment provisions, private industry workers, National

Compensation Survey, 2010

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 ........................................................................ 1.2 1.2 0.5 $0 1.2 1.2 0.5 $2

Management, professional, and related ............................ 2.8 2.6 1.2 0 2.7 2.4 1.2 0

Management, business, and financial ........................... 2.5 1.9 1.7 0 2.3 1.9 1.7 7

Professional and related ............................................... 3.4 3.2 1.3 0 3.3 3.1 1.3 0

Service .............................................................................. 2.4 2.4 0.5 0 2.5 2.4 0.7 6

Protective service .......................................................... 0.9 – – – 0.8 – – 1

Sales and office ................................................................ 1.6 1.5 0.7 0 1.5 1.5 0.7 0

Sales and related .......................................................... 2.5 2.4 0.2 0 2.7 2.5 1.2 0

Office and administrative support ................................. 1.9 1.8 1.0 0 1.9 1.9 1.0 5

Natural resources, construction, and maintenance ........... 2.8 2.9 0.6 0 3.0 3.0 0.6 0

Construction, extraction, farming, fishing, and forestry 5.8 – – 0 6.0 – – 3

Installation, maintenance, and repair ............................ 2.6 2.6 1.0 0 2.7 2.6 1.0 0

Production, transportation, and material moving .............. 2.3 2.2 0.8 0 2.4 2.3 0.8 2

Production ..................................................................... 3.4 3.3 1.0 0 3.3 3.3 1.0 5

Transportation and material moving ............................. 2.3 – – 0 2.9 2.7 0.9 0

Full time ............................................................................ 1.2 1.2 0.5 0 1.3 1.2 0.5 1

Part time ............................................................................ 3.5 3.5 0.5 – 3.5 3.5 0.5 6

Union ................................................................................. 2.4 2.7 0.9 0 2.3 2.5 0.9 2 ( )

Nonunion ........................................................................... 1.3 1.3 0.6 0 1.4 1.4 0.6 3

Average wage within the following categories:3

Lowest 25 percent ......................................................... 2.4 2.4 0.4 0 2.6 2.4 0.6 0

Second 25 percent ........................................................ 1.6 1.5 0.6 0 1.7 1.6 0.7 3

Third 25 percent ............................................................ 1.7 1.7 0.6 0 1.9 1.8 0.6 7

Highest 25 percent ........................................................ 2.3 2.1 1.1 0 2.1 1.9 1.1 0

Highest 10 percent .................................................... 3.2 2.7 1.9 0 3.1 2.6 1.9 0

Establishment characteristic

Goods-producing industries .............................................. 2.3 2.2 0.9 0 2.3 2.2 1.1 2

Construction .................................................................. 5.3 5.2 0.8 0 4.5 4.4 0.8 4

Manufacturing ............................................................... 2.5 2.4 1.2 0 2.6 2.4 1.4 0

Service-providing industries .............................................. 1.4 1.3 0.6 0 1.5 1.4 0.6 3

Trade, transportation, and utilities ................................. 1.6 1.5 0.3 0 1.4 1.3 0.4 0

Wholesale trade ........................................................ 2.8 – – 0 2.7 – – 0

Transportation and warehousing .............................. 3.2 – – 1 2.7 2.6 1.4 0

Information .................................................................... 4.4 3.1 3.9 0 4.5 2.6 3.9 0

Financial activities ......................................................... 3.1 2.7 1.8 0 3.0 2.6 1.8 0

Finance and insurance .............................................. 3.2 2.9 2.0 0 2.9 2.8 2.0 0

Credit intermediation and related activities ........... 4.1 2.8 4.0 0 4.1 2.9 4.0 6

Insurance carriers and related activities ............... 6.0 5.8 1.7 0 5.7 5.6 1.7 0

Professional and business services .............................. 4.0 3.2 2.4 0 4.0 3.2 2.4 4

Education and health services ...................................... 4.2 4.1 0.6 0 4.5 4.3 0.7 0

Educational services ................................................. 4.6 – – 0 2.9 – – 0

Junior colleges, colleges, and universities ............ 2.2 2.2 0.3 0 2.2 2.2 0.3 0

Health care and social assistance ............................ 4.9 4.8 0.7 0 5.3 5.1 0.8 1

See footnotes at end of table.
Table 19. Standard errors for outpatient prescription drug benefits:1

 Copayment provisions, private industry workers, National

Compensation Survey, 2010—Continued

Characteristics

Generic drugs Brand-name drugs

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

1 to 99 workers ................................................................. 2.2 2.1 0.7 $0 2.3 2.2 0.7 $0

1 to 49 workers ............................................................. 2.7 2.6 0.4 0 2.8 2.8 0.5 0

50 to 99 workers ........................................................... 4.5 4.1 2.4 0 4.4 4.0 2.5 0

100 workers or more ......................................................... 1.2 1.1 0.6 0 1.2 1.1 0.6 0

100 to 499 workers ....................................................... 1.7 1.7 0.7 0 1.9 1.8 0.8 1

500 workers or more ..................................................... 1.9 1.4 1.1 0 1.8 1.2 1.1 4

Geographic area

New England ..................................................................... 1.5 – – 0 1.5 – – 5

Middle Atlantic ................................................................... 1.3 1.3 0.2 0 1.6 1.5 0.3 1

East North Central ............................................................ 2.8 2.6 0.6 0 2.5 2.4 0.6 2 ( )

West North Central ........................................................... 5.7 5.5 2.1 0 5.6 5.2 2.1 0

South Atlantic .................................................................... 2.2 2.4 0.8 0 1.8 1.7 0.7 0

East South Central ............................................................ 8.6 – – 0 8.6 – – 0

West South Central ........................................................... 4.5 4.4 0.8 0 4.8 4.7 0.8 3

Mountain ........................................................................... 4.9 – – 0 5.0 – – 0

Pacific ............................................................................... 2.6 2.0 1.0 0 2.6 2.1 0.9 1

1 Outpatient prescription drug benefits include both stand-alone drug plans and prescription drug

benefits included as part of a medical plan. 2 Less than 0.5. 3 The categories are based on the average wage for each occupation surveyed, which may include

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

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

2009." See Technical Note for more details.

NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 20. Defined contribution plans: Type of plan,1

 private industry workers, National Compensation Survey,

2010

(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 ........................................................................ 68 25 4 19 – 2 –

Management, professional, and related ............................ 75 16 – 18 – – –

Management, business, and financial ........................... 80 14 – 16 – – –

Professional and related ............................................... 71 17 – 19 – – –

Service .............................................................................. 70 22 – 18 – – –

Protective service .......................................................... 85 – – – – – –

Sales and office ................................................................ 62 36 5 22 – – –

Sales and related .......................................................... 57 43 – 28 – – –

Office and administrative support ................................. 65 31 4 19 – – –

Natural resources, construction, and maintenance ........... 54 26 – 19 – – –

Construction, extraction, farming, fishing, and forestry 41 – – – – – –

Installation, maintenance, and repair ............................ 65 27 – 16 – – –

Production, transportation, and material moving .............. 72 24 – 16 – 3 –

Production ..................................................................... 70 23 – 21 – – –

Transportation and material moving ............................. 74 26 – 7 – – –

Full time ............................................................................ 69 24 4 19 – 2 –

Part time ............................................................................ 59 30 – 22 – – –

Union ................................................................................. 61 – – 31 – – –

Nonunion ........................................................................... 69 26 4 18 – 3 –

Average wage within the following categories:2

Lowest 25 percent ......................................................... 67 29 – 15 – – –

Lowest 10 percent ..................................................... 74 – – – – – –

Second 25 percent ........................................................ 63 31 – 24 – 4 –

Third 25 percent ............................................................ 69 24 5 15 – 4 –

Highest 25 percent ........................................................ 71 19 – 19 – – –

Highest 10 percent .................................................... 74 16 – 17 – – –

Establishment characteristic

Goods-producing industries .............................................. 69 20 – 18 – – –

Construction .................................................................. 46 28 – – – – –

Manufacturing ............................................................... 77 19 – 17 – – –

Service-providing industries .............................................. 68 26 4 19 – 2 –

Trade, transportation, and utilities ................................. 57 40 7 24 – – –

Wholesale trade ........................................................ 64 27 – – – – –

Retail trade ................................................................ 47 56 – – – – –

Transportation and warehousing .............................. 77 – – – – – –

Information .................................................................... 84 – – – – – –

Financial activities ......................................................... 82 21 – 12 – – –

Finance and insurance .............................................. 84 19 – 11 – – –

Credit intermediation and related activities ........... 83 23 – – – – –

Insurance carriers and related activities ............... 85 17 – – – – –

Professional and business services .............................. 78 25 – – – – –

Professional and technical services .......................... 70 30 – – – – –

Education and health services ...................................... 58 16 – 30 – – –

Educational services ................................................. 30 – – 69 – – –

Junior colleges, colleges, and universities ............ 36 – – 68 – – –

Health care and social assistance ............................ 64 19 – 22 – – –

See footnotes at end of table.
Table 20. Defined contribution plans: Type of plan,1

 private industry workers, National Compensation Survey,

2010—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 ................................................................. 64 25 3 9 – 7 –

1 to 49 workers ............................................................. 63 23 – 10 – 8 –

50 to 99 workers ........................................................... 67 30 – – – – –

100 workers or more ......................................................... 71 25 4 25 – – –

100 to 499 workers ....................................................... 67 31 – 24 – – –

500 workers or more ..................................................... 75 17 – 25 – – –

Geographic area

New England ..................................................................... 74 – – 14 – – –

Middle Atlantic ................................................................... 64 25 – 22 – – –

East North Central ............................................................ 71 25 – 23 – – –

West North Central ........................................................... 69 – – 18 – – –

South Atlantic .................................................................... 69 26 – 17 – – –

East South Central ............................................................ 64 31 – – – – –

West South Central ........................................................... 64 24 – 24 – – –

Mountain ........................................................................... 75 25 – 11 – – –

Pacific ............................................................................... 68 26 – 13 – – –

1 Sum of individual items may be greater than total because multiple plans are

available to some employees. 2 The categories are based on the average wage for each occupation surveyed,

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

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

Survey: Occupational Earnings in the United States, 2009." See Technical Note for

more details.

NOTE: Dashes indicate that no data were reported or that data do not meet

publication criteria. For definitions of major plans, key provisions, and related terms,

see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 20. Standard errors for defined contribution plans: Type of plan, private industry workers, National

Compensation Survey, 2010

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 0.8 1.2 – 0.4 –

Management, professional, and related ............................ 3.5 2.3 – 1.8 – – –

Management, business, and financial ........................... 3.9 2.3 – 2.6 – – –

Professional and related ............................................... 3.8 2.8 – 2.3 – – –

Service .............................................................................. 4.3 4.4 – 3.0 – – –

Protective service .......................................................... 5.5 – – – – – –

Sales and office ................................................................ 2.3 2.8 1.3 2.0 – – –

Sales and related .......................................................... 3.7 4.2 – 3.5 – – –

Office and administrative support ................................. 2.8 3.3 1.2 2.1 – – –

Natural resources, construction, and maintenance ........... 3.9 4.5 – 3.7 – – –

Construction, extraction, farming, fishing, and forestry 5.9 – – – – – –

Installation, maintenance, and repair ............................ 5.2 4.7 – 3.5 – – –

Production, transportation, and material moving .............. 2.7 3.1 – 2.7 – 0.9 –

Production ..................................................................... 4.0 4.1 – 4.1 – – –

Transportation and material moving ............................. 3.9 4.1 – 1.9 – – –

Full time ............................................................................ 2.0 1.7 0.8 1.2 – 0.3 –

Part time ............................................................................ 4.0 3.7 – 3.5 – – –

Union ................................................................................. 5.0 – – 4.1 – – –

Nonunion ........................................................................... 1.8 1.7 0.8 1.2 – 0.5 –

Average wage within the following categories:1

Lowest 25 percent ......................................................... 3.6 3.5 – 2.2 – – –

Lowest 10 percent ..................................................... 8.8 – – – – – –

Second 25 percent ........................................................ 2.6 2.6 – 2.4 – 1.0 –

Third 25 percent ............................................................ 2.3 2.4 1.2 1.5 – 1.1 –

Highest 25 percent ........................................................ 3.5 2.8 – 1.8 – – –

Highest 10 percent .................................................... 4.0 2.9 – 2.5 – – –

Establishment characteristic

Goods-producing industries .............................................. 2.8 3.2 – 2.5 – – –

Construction .................................................................. 6.1 7.7 – – – – –

Manufacturing ............................................................... 2.9 3.3 – 3.3 – – –

Service-providing industries .............................................. 2.3 2.3 0.9 1.4 – 0.6 –

Trade, transportation, and utilities ................................. 3.0 3.2 1.9 2.4 – – –

Wholesale trade ........................................................ 6.2 5.7 – – – – –

Retail trade ................................................................ 4.0 4.4 – – – – –

Transportation and warehousing .............................. 6.0 – – – – – –

Information .................................................................... 6.1 – – – – – –

Financial activities ......................................................... 3.3 3.7 – 3.0 – – –

Finance and insurance .............................................. 2.4 2.6 – 2.4 – – –

Credit intermediation and related activities ........... 3.5 3.9 – – – – –

Insurance carriers and related activities ............... 3.8 4.1 – – – – –

Professional and business services .............................. 6.8 4.9 – – – – –

Professional and technical services .......................... 8.4 7.2 – – – – –

Education and health services ...................................... 5.3 4.4 – 3.9 – – –

Educational services ................................................. 3.5 – – 4.5 – – –

Junior colleges, colleges, and universities ............ 3.7 – – 4.2 – – –

Health care and social assistance ............................ 6.2 5.2 – 4.2 – – –

See footnotes at end of table.
Table 20. Standard errors for defined contribution plans: Type of plan, private industry workers, National

Compensation Survey, 2010—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 ................................................................. 3.6 3.3 0.9 2.2 – 1.2 –

1 to 49 workers ............................................................. 4.8 4.4 – 2.8 – 1.6 –

50 to 99 workers ........................................................... 5.8 5.7 – – – – –

100 workers or more ......................................................... 1.9 1.9 1.1 1.6 – – –

100 to 499 workers ....................................................... 2.7 2.7 – 2.7 – – –

500 workers or more ..................................................... 2.8 2.6 – 2.4 – – –

Geographic area

New England ..................................................................... 6.0 – – 3.4 – – –

Middle Atlantic ................................................................... 6.8 5.5 – 1.9 – – –

East North Central ............................................................ 3.4 3.4 – 3.2 – – –

West North Central ........................................................... 5.1 – – 4.1 – – –

South Atlantic .................................................................... 4.4 5.9 – 3.0 – – –

East South Central ............................................................ 8.8 6.8 – – – – –

West South Central ........................................................... 5.2 3.2 – 4.2 – – –

Mountain ........................................................................... 6.5 5.4 – 3.2 – – –

Pacific ............................................................................... 4.5 3.6 – 3.1 – – –

1 The categories are based on the average wage for each occupation surveyed,

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

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

Survey: Occupational Earnings in the United States, 2009." See Technical Note for

more details.

NOTE: Dashes indicate that no data were reported or that data do not meet

publication criteria. For definitions of major plans, key provisions, and related terms,

see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 21. Defined contribution plans: Method of contribution and

availability of annuity, private industry workers, National Compensation

Survey, 2010

(All workers participating in defined contribution plans = 100 percent)

Characteristics

Method of contribution1

Annuity

available3 401 (k)

pre-tax

contribution

Roth 401(k)

contribution

(post-tax)2

Worker characteristic

All workers ........................................................................ 86 23 18

Management, professional, and related ............................ 89 28 22

Management, business, and financial ........................... 93 31 20

Professional and related ............................................... 86 26 23

Service .............................................................................. 85 14 16

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

Sales and office ................................................................ 88 22 15

Sales and related .......................................................... 91 16 12

Office and administrative support ................................. 86 25 16

Natural resources, construction, and maintenance ........... 69 19 28

Construction, extraction, farming, fishing, and forestry 55 – 30

Installation, maintenance, and repair ............................ 82 30 26

Production, transportation, and material moving .............. 87 23 11

Production ..................................................................... 85 27 12

Transportation and material moving ............................. 90 17 9

Full time ............................................................................ 87 25 18

Part time ............................................................................ 83 10 15

Union ................................................................................. 76 25 35

Nonunion ........................................................................... 87 23 16

Average wage within the following categories:4

Lowest 25 percent ......................................................... 87 17 12

Lowest 10 percent ..................................................... 81 – –

Second 25 percent ........................................................ 89 18 12

Third 25 percent ............................................................ 84 22 17

Highest 25 percent ........................................................ 86 30 24

Highest 10 percent .................................................... 89 33 24

Establishment characteristic

Goods-producing industries .............................................. 81 23 17

Construction .................................................................. 58 – 22

Manufacturing ............................................................... 88 29 15

Service-providing industries .............................................. 88 23 18

Trade, transportation, and utilities ................................. 89 18 14

Wholesale trade ........................................................ 87 28 23

Retail trade ................................................................ 89 9 9

Transportation and warehousing .............................. 93 – –

Information .................................................................... 87 47 27

Financial activities ......................................................... 94 37 12

Finance and insurance .............................................. 93 38 11

Credit intermediation and related activities ........... 95 31 –

Insurance carriers and related activities ............... 91 46 15

Professional and business services .............................. 87 34 18

Professional and technical services .......................... 83 – –

Education and health services ...................................... 83 11 24

Educational services ................................................. 76 10 57

Junior colleges, colleges, and universities ............ 79 11 65

Health care and social assistance ............................ 84 11 17

See footnotes at end of table.
Table 21. Defined contribution plans: Method of contribution and

availability of annuity, private industry workers, National Compensation

Survey, 2010—Continued

(All workers participating in defined contribution plans = 100 percent)

Characteristics

Method of contribution1

Annuity

available3 401 (k)

pre-tax

contribution

Roth 401(k)

contribution

(post-tax)2

1 to 99 workers ................................................................. 79 18 14

1 to 49 workers ............................................................. 77 16 13

50 to 99 workers ........................................................... 84 23 –

100 workers or more ......................................................... 91 26 20

100 to 499 workers ....................................................... 91 22 15

500 workers or more ..................................................... 91 32 26

Geographic area

New England ..................................................................... 84 19 31

Middle Atlantic ................................................................... 82 25 20

East North Central ............................................................ 87 25 20

West North Central ........................................................... 87 24 24

South Atlantic .................................................................... 89 21 15

East South Central ............................................................ 93 29 10

West South Central ........................................................... 88 20 –

Mountain ........................................................................... 90 24 19

Pacific ............................................................................... 81 25 18

1 Sum of individual items may be greater than total

because both methods of contribution are available to

some employees 2 Plans that combine features of traditional Roth

IRA plans and 401(k) plans in savings and thrift plans. 

Under these plans employees are allowed to have part

or all of their retirement plan contributions be subject

to all the same post-tax treatment as under a Roth IRA

plan. 3 The remaining workers include both workers not

having an annuity available as well as those workers

where the availability is not determinable. For

example, 18 percent of all workers have an annuity

provision available. The remaining 82 percent either

do not have the provision or information on the

provision is not available. 4 The categories are based on the average wage

for each occupation surveyed, which may include

workers with earnings both above and below the

threshold. The average wages are based on the

estimates published in the "National Compensation

Survey: Occupational Earnings in the United States,

2009." See Technical Note for more details.

NOTE: Dashes indicate that no data were reported or

that data do not meet publication criteria. For

definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms"

at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 21. Standard errors for defined contribution plans: Method of

contribution and availability of annuity, private industry workers,

National Compensation Survey, 2010

Characteristics

Method of contribution

Annuity

available2 401 (k)

pre-tax

contribution

Roth 401(k)

contribution

(post-tax)1

Worker characteristic

All workers ........................................................................ 1.3 1.4 1.4

Management, professional, and related ............................ 1.9 2.6 2.3

Management, business, and financial ........................... 1.4 3.3 3.2

Professional and related ............................................... 2.5 2.9 2.5

Service .............................................................................. 3.1 3.0 3.1

Protective service .......................................................... 3.7 – –

Sales and office ................................................................ 1.5 1.9 1.9

Sales and related .......................................................... 2.0 2.6 2.7

Office and administrative support ................................. 1.8 2.5 2.2

Natural resources, construction, and maintenance ........... 4.1 3.1 4.0

Construction, extraction, farming, fishing, and forestry 7.1 – 8.0

Installation, maintenance, and repair ............................ 4.2 4.7 4.4

Production, transportation, and material moving .............. 1.9 3.5 2.4

Production ..................................................................... 3.1 5.0 3.2

Transportation and material moving ............................. 2.5 3.3 2.2

Full time ............................................................................ 1.3 1.5 1.5

Part time ............................................................................ 3.5 2.2 3.8

Union ................................................................................. 5.2 4.3 5.4

Nonunion ........................................................................... 1.1 1.4 1.3

Average wage within the following categories:3

Lowest 25 percent ......................................................... 2.9 3.3 3.4

Lowest 10 percent ..................................................... 6.9 – –

Second 25 percent ........................................................ 1.5 2.2 1.4

Third 25 percent ............................................................ 2.0 1.6 1.8

Highest 25 percent ........................................................ 2.1 2.4 2.6

Highest 10 percent .................................................... 2.3 3.3 3.4

Establishment characteristic

Goods-producing industries .............................................. 2.6 3.1 2.9

Construction .................................................................. 6.5 – 6.1

Manufacturing ............................................................... 2.0 3.9 3.0

Service-providing industries .............................................. 1.4 1.6 1.5

Trade, transportation, and utilities ................................. 1.8 2.2 2.5

Wholesale trade ........................................................ 3.8 6.4 5.6

Retail trade ................................................................ 2.5 2.0 2.6

Transportation and warehousing .............................. 3.3 – –

Information .................................................................... 6.1 8.3 6.3

Financial activities ......................................................... 1.1 3.7 2.1

Finance and insurance .............................................. 1.4 3.3 1.9

Credit intermediation and related activities ........... 1.7 4.7 –

Insurance carriers and related activities ............... 3.2 5.6 3.7

Professional and business services .............................. 4.7 5.4 4.8

Professional and technical services .......................... 5.4 – –

Education and health services ...................................... 3.2 2.7 3.4

Educational services ................................................. 5.1 2.1 5.6

Junior colleges, colleges, and universities ............ 3.8 1.9 4.5

Health care and social assistance ............................ 3.6 3.2 3.3

See footnotes at end of table.
Table 21. Standard errors for defined contribution plans: Method of

contribution and availability of annuity, private industry workers,

National Compensation Survey, 2010—Continued

Characteristics

Method of contribution

Annuity

available2 401 (k)

pre-tax

contribution

Roth 401(k)

contribution

(post-tax)1

1 to 99 workers ................................................................. 2.7 2.2 2.2

1 to 49 workers ............................................................. 3.4 2.6 2.4

50 to 99 workers ........................................................... 4.0 3.8 –

100 workers or more ......................................................... 1.0 1.9 1.6

100 to 499 workers ....................................................... 1.7 2.7 1.7

500 workers or more ..................................................... 1.4 2.7 3.0

Geographic area

New England ..................................................................... 5.4 5.3 8.2

Middle Atlantic ................................................................... 5.7 4.4 4.7

East North Central ............................................................ 2.5 3.2 2.4

West North Central ........................................................... 3.1 3.4 4.0

South Atlantic .................................................................... 2.1 3.4 2.6

East South Central ............................................................ 3.0 6.7 2.8

West South Central ........................................................... 1.9 3.2 –

Mountain ........................................................................... 4.0 4.2 5.4

Pacific ............................................................................... 3.7 4.0 4.9

1 Plans that combine features of traditional Roth

IRA plans and 401(k) plans in savings and thrift plans. 

Under these plans employees are allowed to have part

or all of their retirement plan contributions be subject

to all the same post-tax treatment as under a Roth IRA

plan. 2 The remaining workers include both workers not

having an annuity available as well as those workers

where the availability is not determinable. For

example, 18 percent of all workers have an annuity

provision available. The remaining 82 percent either

do not have the provision or information on the

provision is not available. 

3 The categories are based on the average wage

for each occupation surveyed, which may include

workers with earnings both above and below the

threshold. The average wages are based on the

estimates published in the "National Compensation

Survey: Occupational Earnings in the United States,

2009." See Technical Note for more details.

NOTE: Dashes indicate that no data were reported or

that data do not meet publication criteria. For

definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms"

at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 22. Savings and thrift plans: Summary of provisions,1

 private industry workers, National Compensation Survey,

2010

(All workers participating in savings and thrift plans = 100 percent)

Characteristics

401 (k)

pre-tax

contribution

Roth 401(k)

contribution

(post-tax)2

Annuity

available

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 31 15 21 6 84 78

Management, professional, and related ............................ 100 35 18 20 7 86 80

Management, business, and financial ........................... 100 37 – 17 5 87 81

Professional and related ............................................... 100 33 17 23 8 85 79

Service .............................................................................. 100 17 – – – 83 79

Protective service .......................................................... 100 – – – – 93 83

Sales and office ................................................................ 100 30 16 22 4 85 78

Sales and related .......................................................... 100 25 17 20 – 90 84

Office and administrative support ................................. 100 33 – 23 6 82 75

Natural resources, construction, and maintenance ........... 100 29 17 19 – 78 70

Construction, extraction, farming, fishing, and forestry 100 – – – – 66 60

Installation, maintenance, and repair ............................ 100 37 20 24 – 84 76

Production, transportation, and material moving .............. 100 28 – 24 8 81 76

Production ..................................................................... 100 32 – 27 12 86 81

Transportation and material moving ............................. 100 22 – 21 – 74 69

Full time ............................................................................ 100 32 15 21 6 84 78

Part time ............................................................................ 100 16 – 16 – 87 78

Union ................................................................................. 100 36 – 33 13 81 68

Nonunion ........................................................................... 100 30 14 20 5 84 79

Average wage within the following categories:4

Lowest 25 percent ......................................................... 100 24 – – – 84 77

Lowest 10 percent ..................................................... 100 – – – – 97 88

Second 25 percent ........................................................ 100 25 – 22 4 79 74

Third 25 percent ............................................................ 100 26 – 24 6 82 76

Highest 25 percent ........................................................ 100 39 19 21 8 88 82

Highest 10 percent .................................................... 100 42 20 20 8 91 85

Establishment characteristic

Goods-producing industries .............................................. 100 30 10 25 9 85 78

Construction .................................................................. 100 – – – – 67 59

Manufacturing ............................................................... 100 34 11 28 11 88 83

Service-providing industries .............................................. 100 31 – 19 5 84 78

Trade, transportation, and utilities ................................. 100 27 16 20 – 82 77

Wholesale trade ........................................................ 100 35 – – – 76 75

Retail trade ................................................................ 100 20 – 24 – 87 76

Information .................................................................... 100 52 – 25 – 73 56

Financial activities ......................................................... 100 39 – 25 6 92 78

Finance and insurance .............................................. 100 42 – 24 7 93 78

Credit intermediation and related activities ........... 100 33 – – – 95 75

Insurance carriers and related activities ............... 100 53 – 42 13 89 78

Professional and business services .............................. 100 41 – 19 – 89 87

Professional and technical services .......................... 100 31 – – – 91 91

Education and health services ...................................... 100 – – – – 75 72

Educational services ................................................. 100 17 59 – – 82 77

Junior colleges, colleges, and universities ............ 100 19 62 – – 84 81

Health care and social assistance ............................ 100 – – – – 74 71

See footnotes at end of table.
Table 22. Savings and thrift plans: Summary of provisions,1

 private industry workers, National Compensation Survey,

2010—Continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics

401 (k)

pre-tax

contribution

Roth 401(k)

contribution

(post-tax)2

Annuity

available

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 23 12 16 – 81 75

1 to 49 workers ............................................................. 100 20 – 14 – 80 76

50 to 99 workers ........................................................... 100 31 – 21 – 81 73

100 workers or more ......................................................... 100 34 17 23 7 86 79

100 to 499 workers ....................................................... 100 30 11 21 – 79 74

500 workers or more ..................................................... 100 39 22 25 11 92 84

Geographic area

New England ..................................................................... 100 24 – 14 – 74 67

Middle Atlantic ................................................................... 100 36 – 21 – 86 78

East North Central ............................................................ 100 33 – 20 – 85 77

West North Central ........................................................... 100 31 – 23 13 78 67

South Atlantic .................................................................... 100 25 13 21 – 85 81

East South Central ............................................................ 100 29 – 30 – 88 85

West South Central ........................................................... 100 28 – 13 – 76 73

Mountain ........................................................................... 100 28 – 30 – 85 77

Pacific ............................................................................... 100 34 17 21 – 90 86

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, 15 percent

of all workers have an annuity provision available. The remaining 85 percent either do not

have the provision or information on the provision is not available. 2 Plans that combine features of traditional Roth IRA plans and 401(k) plans in savings

and thrift plans. Under these plans employees are allowed to have part or all of their

retirement plan contributions be subject to all the same post-tax treatment as under a Roth

IRA plan. 3 The 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 The categories are based on the average wage for each occupation surveyed, which

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

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

Earnings in the United States, 2009." See Technical Note for more details.

NOTE: Dashes indicate that no data were reported or that data do not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 22. Standard errors for savings and thrift plans: Summary of provisions,1

 private industry workers, National

Compensation Survey, 2010

Characteristics

401 (k)

pre-tax

contribution

Roth 401(k)

contribution

(post-tax)2

Annuity

available

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 1.5 1.5 0.8 1.8 1.9

Management, professional, and related ............................ 4 ( ) 2.9 2.6 2.5 1.7 3.2 3.4

Management, business, and financial ........................... 0.0 3.9 – 2.1 1.1 3.1 3.1

Professional and related ............................................... 4 ( ) 3.5 2.4 3.7 2.4 4.0 4.2

Service .............................................................................. 0.0 4.1 – – – 5.2 5.2

Protective service .......................................................... 0.0 – – – – 5.1 8.0

Sales and office ................................................................ 0.0 2.4 2.5 2.4 1.0 1.9 2.1

Sales and related .......................................................... 0.0 4.0 4.3 3.6 – 3.3 3.6

Office and administrative support ................................. 4 ( ) 3.0 – 3.2 1.5 2.1 2.5

Natural resources, construction, and maintenance ........... 4 ( ) 4.9 4.3 3.6 – 4.4 5.3

Construction, extraction, farming, fishing, and forestry 0.0 – – – – 9.8 10.4

Installation, maintenance, and repair ............................ 0.0 6.3 5.8 4.8 – 3.9 5.9

Production, transportation, and material moving .............. 0.0 4.5 – 3.8 2.1 3.9 4.0

Production ..................................................................... 4 ( ) 6.2 – 5.1 3.4 3.4 3.9

Transportation and material moving ............................. 0.0 4.7 – 5.0 – 6.8 6.7

Full time ............................................................................ 0.0 1.9 1.6 1.5 0.9 1.9 2.1

Part time ............................................................................ 0.0 3.1 – 4.2 – 3.9 3.8

Union ................................................................................. 0.0 5.0 – 3.6 3.3 3.0 4.8

Nonunion ........................................................................... 0.0 1.8 1.5 1.6 0.8 2.0 2.1

Average wage within the following categories:5

Lowest 25 percent ......................................................... 0.0 4.6 – – – 4.2 4.2

Lowest 10 percent ..................................................... 0.0 – – – – 1.8 6.1

Second 25 percent ........................................................ 0.0 3.1 – 2.5 0.9 2.7 2.8

Third 25 percent ............................................................ 4 ( ) 1.9 – 2.6 1.2 2.0 2.2

Highest 25 percent ........................................................ 4 ( ) 2.7 2.6 2.2 1.7 2.3 2.7

Highest 10 percent .................................................... 4 ( ) 3.7 3.8 2.8 2.0 2.6 3.1

Establishment characteristic

Goods-producing industries .............................................. 4 ( ) 4.0 2.5 3.6 2.0 2.3 2.9

Construction .................................................................. 4 ( ) – – – – 7.3 8.2

Manufacturing ............................................................... 4 ( ) 4.5 3.0 4.3 2.4 2.6 3.1

Service-providing industries .............................................. 4 ( ) 2.0 – 1.9 0.9 2.4 2.6

Trade, transportation, and utilities ................................. 4 ( ) 3.4 3.4 3.0 – 3.1 3.1

Wholesale trade ........................................................ 0.0 8.5 – – – 7.2 7.3

Retail trade ................................................................ 0.0 3.7 – 4.9 – 3.9 4.8

Information .................................................................... 0.0 8.3 – 5.8 – 7.1 8.7

Financial activities ......................................................... 0.0 3.9 – 3.4 1.4 2.1 2.9

Finance and insurance .............................................. 0.0 3.6 – 3.2 1.6 2.2 3.3

Credit intermediation and related activities ........... 0.0 5.2 – – – 2.2 4.7

Insurance carriers and related activities ............... 0.0 6.5 – 7.2 3.6 4.2 5.4

Professional and business services .............................. 0.0 5.4 – 4.4 – 3.8 4.0

Professional and technical services .......................... 0.0 8.7 – – – 6.0 6.0

Education and health services ...................................... 0.0 – – – – 8.3 8.2

Educational services ................................................. 0.0 4.3 8.7 – – 6.6 6.7

Junior colleges, colleges, and universities ............ 0.0 4.7 7.9 – – 5.3 5.8

Health care and social assistance ............................ 4 ( ) – – – – 9.1 9.0

See footnotes at end of table.
Table 22. Standard errors for savings and thrift plans: Summary of provisions,1

 private industry workers, National

Compensation Survey, 2010—Continued

Characteristics

401 (k)

pre-tax

contribution

Roth 401(k)

contribution

(post-tax)2

Annuity

available

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 3.0 2.3 3.0 – 4.6 4.6

1 to 49 workers ............................................................. 0.0 3.5 – 3.1 – 6.3 6.3

50 to 99 workers ........................................................... 0.0 4.7 – 6.0 – 3.9 4.9

100 workers or more ......................................................... 4 ( ) 2.4 2.0 2.0 1.0 1.6 1.8

100 to 499 workers ....................................................... 4 ( ) 3.5 2.0 2.7 – 2.4 2.7

500 workers or more ..................................................... 0.0 3.5 3.4 3.1 2.1 1.4 2.3

Geographic area

New England ..................................................................... 0.0 7.0 – 3.0 – 4.0 5.0

Middle Atlantic ................................................................... 0.0 5.1 – 4.1 – 2.3 3.2

East North Central ............................................................ 0.0 4.4 – 3.1 – 3.6 4.7

West North Central ........................................................... 0.0 5.3 – 6.1 3.2 3.6 6.9

South Atlantic .................................................................... 0.0 4.3 3.6 3.6 – 2.4 2.9

East South Central ............................................................ 4 ( ) 3.6 – 7.8 – 2.4 2.6

West South Central ........................................................... 0.0 4.2 – 2.9 – 10.4 10.1

Mountain ........................................................................... 0.0 5.4 – 8.5 – 5.1 4.8

Pacific ............................................................................... 4 ( ) 5.2 3.8 3.4 – 4.8 4.9

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, 15 percent

of all workers have an annuity provision available. The remaining 85 percent either do not

have the provision or information on the provision is not available. 2 Plans that combine features of traditional Roth IRA plans and 401(k) plans in savings

and thrift plans. Under these plans employees are allowed to have part or all of their

retirement plan contributions be subject to all the same post-tax treatment as under a Roth

IRA plan. 3 The 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 The categories are based on the average wage for each occupation surveyed, which

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

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

Earnings in the United States, 2009." See Technical Note for more details.

NOTE: Dashes indicate that no data were reported or that data do not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 23. Savings and thrift plans: Automatic enrollment,1

 private industry workers, National Compensation Survey, 2010

(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 Default

contribution

not

determinable

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 100 21 20 ––––– 2 ( ) 76 3

Management, professional, and related ............................ 100 20 20 2.0 2.0 3.0 3.0 3.0 2 ( ) 78 1

Management, business, and financial ........................... 100 17 16 2.0 3.0 3.0 3.0 4.0 2 ( ) 82 1

Professional and related ............................................... 100 23 23 2.0 2.0 3.0 3.0 3.0 2 ( ) 75 2

Service .............................................................................. 100 – – – – – – – – 88 –

Protective service .......................................................... 100 – – – – – – – – 77 –

Sales and office ................................................................ 100 22 21 – – – – – 1 74 4

Sales and related .......................................................... 100 20 20 – – – – – – 79 1

Office and administrative support ................................. 100 23 22 – – – – – 1 72 5

Natural resources, construction, and maintenance ........... 100 19 18 2.0 2.0 2.0 3.0 3.0 1 79 1

Construction, extraction, farming, fishing, and forestry 100 – – – – – – – – 88 –

Installation, maintenance, and repair ............................ 100 24 22 2.0 2.0 3.0 3.0 3.0 2 75 1

Production, transportation, and material moving .............. 100 24 24 1.0 2.0 3.0 3.0 3.0 – 69 7

Production ..................................................................... 100 27 27 1.0 2.0 3.0 3.0 3.0 – 70 3

Transportation and material moving ............................. 100 21 21 – – – – – – 67 11

Full time ............................................................................ 100 21 21 2.0 2.0 3.0 3.0 3.0 2 ( ) 76 3

Part time ............................................................................ 100 16 16 – – – – – – 81 3

Union ................................................................................. 100 33 33 2.0 2.0 3.0 3.0 3.0 – 65 2

Nonunion ........................................................................... 100 20 19 ––––– 2 ( ) 77 3

Average wage within the following categories:3

Lowest 25 percent ......................................................... 100 – – – – – – – – 86 –

Lowest 10 percent ..................................................... 100 – – – – – – – – 95 –

Second 25 percent ........................................................ 100 22 22 1.0 2.0 3.0 3.0 3.0 2 ( ) 73 5

Third 25 percent ............................................................ 100 24 23 2.0 2.0 3.0 3.0 3.0 1 74 3

Highest 25 percent ........................................................ 100 21 21 2.0 2.0 3.0 3.0 4.0 2 ( ) 77 2

Highest 10 percent .................................................... 100 20 20 2.0 2.0 3.0 3.0 4.0 2 ( ) 78 2

Establishment characteristic

Goods-producing industries .............................................. 100 25 25 1.0 2.0 3.0 3.0 3.0 2 ( ) 72 3

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

Manufacturing ............................................................... 100 28 28 1.0 2.0 3.0 3.0 3.0 2 ( ) 70 2

Service-providing industries .............................................. 100 19 19 2.0 2.0 3.0 3.0 3.0 2 ( ) 78 3

Trade, transportation, and utilities ................................. 100 20 20 1.0 2.0 3.0 3.0 3.0 – 78 3

Wholesale trade ........................................................ 100 – – – – – – – – 79 –

Retail trade ................................................................ 100 24 24 – – – – – – 73 2

Information .................................................................... 100 25 19 2.0 2.0 3.0 3.0 3.0 6 70 5

Financial activities ......................................................... 100 25 25 – – – – – – 74 1

Finance and insurance .............................................. 100 24 24 2.0 3.0 3.0 3.0 5.0 – 75 1

Credit intermediation and related activities ........... 100 – – – – – – – – 88 –

Insurance carriers and related activities ............... 100 42 42 3.0 3.0 3.0 3.0 5.0 – 57 1

Professional and business services .............................. 100 19 19 2.0 2.0 3.0 3.0 3.0 2 ( ) 76 5

Professional and technical services .......................... 100 – – – – – – – – 82 –

Education and health services ...................................... 100 – – – – – – – – 82 –

Educational services ................................................. 100 – – – – – – – – 86 –

Junior colleges, colleges, and universities ............ 100 – – – – – – – – 85 –

Health care and social assistance ............................ 100 – – – – – – – – 81 –

See footnotes at end of table.
Table 23. Savings and thrift plans: Automatic enrollment,1

 private industry workers, National Compensation Survey, 2010—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 Default

contribution

not

determinable

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 100 16 16 2.0 2.0 3.0 3.0 3.0 – 83 1

1 to 49 workers ............................................................. 100 14 14 – – – – – – 85 1

50 to 99 workers ........................................................... 100 21 21 – – – – – – 79 1

100 workers or more ......................................................... 100 23 23 – – – – – 1 73 4

100 to 499 workers ....................................................... 100 21 21 1.0 2.0 3.0 3.0 3.0 2 ( ) 74 5

500 workers or more ..................................................... 100 25 25 2.0 3.0 3.0 3.0 3.0 1 72 3

Geographic area

New England ..................................................................... 100 14 14 – – – – – – 85 2

Middle Atlantic ................................................................... 100 21 21 2.0 3.0 3.0 3.0 3.0 2 ( ) 76 4

East North Central ............................................................ 100 20 20 ––––– 2 ( ) 79 1

West North Central ........................................................... 100 23 23 – – – – – – 74 3

South Atlantic .................................................................... 100 21 21 2.0 2.0 3.0 3.0 3.0 – 75 4

East South Central ............................................................ 100 30 30 – – – – – – 68 3

West South Central ........................................................... 100 13 13 – – – – – – 82 5

Mountain ........................................................................... 100 30 30 – – – – – – 65 5

Pacific ............................................................................... 100 21 18 2.0 2.0 3.0 3.0 3.0 2 79 1

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 Less than 0.5. 3 The categories are based on the average wage for each occupation surveyed, which may include

workers with earnings both above and below the threshold. The average wages are based on the estimates

published in the "National Compensation Survey: Occupational Earnings in the United States, 2009." See

Technical Note for more details.

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

reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 23. Standard errors for savings and thrift plans: Automatic enrollment,1

 private industry workers, National Compensation

Survey, 2010

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 Default

contribution

not

determinable

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 1.5 1.5 – – – – – 0.2 1.5 0.6

Management, professional, and related ............................ 2.5 2.5 0.0 0.0 0.0 0.0 0.2 0.1 2.6 0.4

Management, business, and financial ........................... 2.1 2.1 0.0 0.3 0.0 0.0 1.2 0.1 2.2 0.5

Professional and related ............................................... 3.7 3.7 0.0 0.0 0.3 0.0 0.0 0.1 3.8 0.6

Service .............................................................................. – – – – – – – – 3.1 –

Protective service .......................................................... – –––––– – 10.4 –

Sales and office ................................................................ 2.4 2.3 – – – – – 0.5 2.5 1.0

Sales and related .......................................................... 3.6 3.6 – – – – – – 3.6 0.9

Office and administrative support ................................. 3.2 3.0 – – – – – 0.7 3.4 1.5

Natural resources, construction, and maintenance ........... 3.6 3.5 0.0 0.0 0.8 0.0 0.0 1.0 3.7 0.5

Construction, extraction, farming, fishing, and forestry – – – – – – – – 6.1 –

Installation, maintenance, and repair ............................ 4.8 4.6 0.0 0.0 1.4 0.0 0.0 1.5 4.8 0.7

Production, transportation, and material moving .............. 3.8 3.8 0.0 0.9 0.0 0.0 0.8 – 4.2 3.0

Production ..................................................................... 5.1 5.1 0.4 0.2 0.0 0.0 0.0 – 5.3 1.7

Transportation and material moving ............................. 5.0 5.0 – – – – – – 6.8 6.5

Full time ............................................................................ 1.5 1.5 0.7 0.0 0.0 0.0 0.0 0.2 1.5 0.7

Part time ............................................................................ 4.2 4.2 – – – – – – 4.0 1.8

Union ................................................................................. 3.6 3.6 0.0 0.0 0.3 0.0 0.0 – 3.6 1.1

Nonunion ........................................................................... 1.6 1.6 – – – – – 0.2 1.7 0.7

Average wage within the following categories:2

Lowest 25 percent ......................................................... – – – – – – – – 3.9 –

Lowest 10 percent ..................................................... – – – – – – – – 3.0 –

Second 25 percent ........................................................ 2.5 2.5 0.0 0.4 0.0 0.0 0.0 0.3 2.7 1.6

Third 25 percent ............................................................ 2.6 2.6 0.6 0.0 0.0 0.0 0.0 0.3 2.6 0.6

Highest 25 percent ........................................................ 2.2 2.2 0.0 0.0 0.0 0.0 1.4 0.2 2.2 0.5

Highest 10 percent .................................................... 2.8 2.8 0.0 0.0 0.0 0.0 1.2 3 ( ) 2.8 0.7

Establishment characteristic

Goods-producing industries .............................................. 3.6 3.6 0.4 0.0 0.0 0.0 0.9 3 ( ) 3.6 1.1

Construction .................................................................. – – – – – – – – 7.3 –

Manufacturing ............................................................... 4.3 4.3 0.2 0.2 0.0 0.0 1.3 0.1 4.4 1.2

Service-providing industries .............................................. 1.9 1.8 0.2 0.0 0.0 0.0 0.0 0.2 2.0 0.8

Trade, transportation, and utilities ................................. 3.0 3.0 0.0 0.3 0.3 0.0 1.0 – 3.1 1.0

Wholesale trade ........................................................ – – – – – – – – 6.9 –

Retail trade ................................................................ 4.9 4.9 – – – – – – 4.9 1.2

Information .................................................................... 5.8 5.7 0.0 0.3 0.9 0.0 0.0 3.0 6.1 4.0

Financial activities ......................................................... 3.4 3.4 – – – – – – 3.2 0.5

Finance and insurance .............................................. 3.2 3.2 0.7 0.0 0.0 0.0 0.9 – 3.2 0.6

Credit intermediation and related activities ........... – – – – – – – – 3.8 –

Insurance carriers and related activities ............... 7.2 7.2 1.1 0.0 0.0 0.0 0.4 – 7.2 0.8

Professional and business services .............................. 4.4 4.4 0.0 0.0 1.3 0.0 0.0 0.3 4.6 2.6

Professional and technical services .......................... – – – – – – – – 6.3 –

Education and health services ...................................... – – – – – – – – 5.2 –

Educational services ................................................. – – – – – – – – 3.9 –

Junior colleges, colleges, and universities ............ – – – – – – – – 4.8 –

Health care and social assistance ............................ – – – – – – – – 5.8 –

See footnotes at end of table.
Table 23. Standard errors for savings and thrift plans: Automatic enrollment,1

 private industry workers, National Compensation

Survey, 2010—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 Default

contribution

not

determinable

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 3.0 3.0 0.3 0.0 0.7 0.0 1.4 – 2.9 0.6

1 to 49 workers ............................................................. 3.1 3.1 – – – – – – 3.0 0.8

50 to 99 workers ........................................................... 6.0 6.0 – – – – – – 6.0 0.5

100 workers or more ......................................................... 2.0 1.9 – – – – – 0.3 1.9 1.0

100 to 499 workers ....................................................... 2.7 2.7 0.0 0.6 0.6 0.0 0.0 0.3 2.9 1.8

500 workers or more ..................................................... 3.1 3.1 0.0 1.4 0.0 0.0 0.5 0.4 3.3 0.9

Geographic area

New England ..................................................................... 3.0 3.0 – – – – – – 2.5 1.6

Middle Atlantic ................................................................... 4.1 4.1 0.0 1.4 0.0 0.0 0.0 0.1 4.0 1.6

East North Central ............................................................ 3.1 3.1 – – – – – 0.3 3.1 0.5

West North Central ........................................................... 6.1 6.1 – – – – – – 5.4 1.8

South Atlantic .................................................................... 3.6 3.6 0.3 0.0 0.8 0.0 0.0 – 3.7 1.5

East South Central ............................................................ 7.8 7.8 – – – – – – 7.8 1.6

West South Central ........................................................... 2.9 2.9 – – – – – – 4.0 3.6

Mountain ........................................................................... 8.5 8.5 – – – – – – 8.4 2.6

Pacific ............................................................................... 3.4 3.1 0.0 0.0 0.7 0.0 0.0 1.1 3.4 0.3

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 The categories are based on the average wage for each occupation surveyed, which may include

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

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

2009." See Technical Note for more details.

3 Less than 0.05.

NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 24. Savings and thrift plans: Default enrollment amount as a percent of the employee maximum amount matched by

employer, private industry workers, National Compensation Survey, 2010

(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 21 33 50 50 67 100 76 3

Management, professional, and related ............................ 100 20 33 50 50 67 100 78 1

Management, business, and financial ........................... 100 17 50 50 50 71 100 82 1

Professional and related ............................................... 100 23 33 50 60 67 100 75 2

Service .............................................................................. 100 – – – – – – 88 –

Protective service .......................................................... 100 – – – – – – 77 –

Sales and office ................................................................ 100 22 33 50 50 67 100 74 4

Sales and related .......................................................... 100 20 40 50 50 67 100 79 1

Office and administrative support ................................. 100 23 33 40 50 71 100 72 5

Natural resources, construction, and maintenance ........... 100 19 33 33 50 67 75 79 1

Construction, extraction, farming, fishing, and forestry 100 – – – – – – 88 –

Installation, maintenance, and repair ............................ 100 24 33 50 50 67 75 75 1

Production, transportation, and material moving .............. 100 24 – – – – – 69 7

Production ..................................................................... 100 27 – – – – – 70 3

Transportation and material moving ............................. 100 21 – – – – – 67 11

Full time ............................................................................ 100 21 33 50 50 67 100 76 3

Part time ............................................................................ 100 16 – – – – – 81 3

Union ................................................................................. 100 33 33 33 50 75 100 65 2

Nonunion ........................................................................... 100 20 33 50 50 67 100 77 3

Average wage within the following categories:2

Lowest 25 percent ......................................................... 100 – – – – – – 86 –

Lowest 10 percent ..................................................... 100 – – – – – – 95 –

Second 25 percent ........................................................ 100 22 25 40 50 60 100 73 5

Third 25 percent ............................................................ 100 24 33 50 50 67 100 74 3

Highest 25 percent ........................................................ 100 21 33 50 50 75 100 77 2

Highest 10 percent .................................................... 100 20 33 50 50 75 100 78 2

Establishment characteristic

Goods-producing industries .............................................. 100 25 – – – – – 72 3

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

Manufacturing ............................................................... 100 28 – – – – – 70 2

Service-providing industries .............................................. 100 19 33 50 50 67 100 78 3

Trade, transportation, and utilities ................................. 100 20 – – – – – 78 3

Wholesale trade ........................................................ 100 – – – – – – 79 –

Retail trade ................................................................ 100 24 – – – – – 73 2

Information .................................................................... 100 25 – – – – – 70 5

Financial activities ......................................................... 100 25 43 50 50 71 100 74 1

Finance and insurance .............................................. 100 24 43 50 50 100 100 75 1

Credit intermediation and related activities ........... 100 – – – – – – 88 –

Insurance carriers and related activities ............... 100 42 33 50 60 71 100 57 1

Professional and business services .............................. 100 19 – – – – – 76 5

Professional and technical services .......................... 100 – – – – – – 82 –

Education and health services ...................................... 100 – – – – – – 82 –

Educational services ................................................. 100 – – – – – – 86 –

Junior colleges, colleges, and universities ............ 100 – – – – – – 85 –

Health care and social assistance ............................ 100 – – – – – – 81 –

See footnotes at end of table.
Table 24. Savings and thrift plans: Default enrollment amount as a percent of the employee maximum amount matched by

employer, private industry workers, National Compensation Survey, 2010—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 16 – – – – – 83 1

1 to 49 workers ............................................................. 100 14 – – – – – 85 1

50 to 99 workers ........................................................... 100 21 – – – – – 79 1

100 workers or more ......................................................... 100 23 33 38 50 67 100 73 4

100 to 499 workers ....................................................... 100 21 33 33 50 60 100 74 5

500 workers or more ..................................................... 100 25 33 50 50 75 100 72 3

Geographic area

New England ..................................................................... 100 14 – – – – – 85 2

Middle Atlantic ................................................................... 100 21 33 33 50 67 100 76 4

East North Central ............................................................ 100 20 – – – – – 79 1

West North Central ........................................................... 100 23 50 50 50 75 100 74 3

South Atlantic .................................................................... 100 21 – – – – – 75 4

East South Central ............................................................ 100 30 – – – – – 68 3

West South Central ........................................................... 100 13 – – – – – 82 5

Mountain ........................................................................... 100 30 25 50 67 67 67 65 5

Pacific ............................................................................... 100 21 – – – – – 79 1

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 The categories are based on the average wage for each occupation surveyed, which may

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

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

United States, 2009." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no

data were reported or that data do not meet publication criteria. For definitions of major plans, key

provisions, and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 24. Standard errors for savings and thrift plans: Default enrollment amount as a percent of the employee maximum

amount matched by employer, private industry workers, National Compensation Survey, 2010

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 ........................................................................ 1.5 0.0 12.5 0.0 5.9 0.0 1.5 0.6

Management, professional, and related ............................ 2.5 4.0 0.0 7.6 8.7 0.0 2.6 0.4

Management, business, and financial ........................... 2.1 7.8 0.0 0.0 31.5 0.0 2.2 0.5

Professional and related ............................................... 3.7 0.0 9.0 14.3 8.8 32.9 3.8 0.6

Service .............................................................................. – – – – – – 3.1 –

Protective service .......................................................... – – – – – – 10.4 –

Sales and office ................................................................ 2.4 0.8 11.2 0.0 10.2 0.0 2.5 1.0

Sales and related .......................................................... 3.6 11.7 0.0 5.7 24.8 6.5 3.6 0.9

Office and administrative support ................................. 3.2 0.0 10.8 0.0 8.3 0.0 3.4 1.5

Natural resources, construction, and maintenance ........... 3.6 0.0 12.7 3.3 8.7 35.2 3.7 0.5

Construction, extraction, farming, fishing, and forestry – – – – – – 6.1 –

Installation, maintenance, and repair ............................ 4.8 9.2 6.5 12.2 4.6 12.9 4.8 0.7

Production, transportation, and material moving .............. 3.8 – – – – – 4.2 3.0

Production ..................................................................... 5.1 – – – – – 5.3 1.7

Transportation and material moving ............................. 5.0 – – – – – 6.8 6.5

Full time ............................................................................ 1.5 0.0 10.6 0.0 2.5 0.0 1.5 0.7

Part time ............................................................................ 4.2 – – – – – 4.0 1.8

Union ................................................................................. 3.6 0.0 0.8 9.7 20.8 6.9 3.6 1.1

Nonunion ........................................................................... 1.6 0.0 2.0 0.0 3.6 0.0 1.7 0.7

Average wage within the following categories:2

Lowest 25 percent ......................................................... – – – – – – 3.9 –

Lowest 10 percent ..................................................... – – – – – – 3.0 –

Second 25 percent ........................................................ 2.5 9.8 7.9 0.0 12.1 34.3 2.7 1.6

Third 25 percent ............................................................ 2.6 0.0 15.4 4.7 4.6 0.0 2.6 0.6

Highest 25 percent ........................................................ 2.2 0.0 0.0 2.8 8.3 0.0 2.2 0.5

Highest 10 percent .................................................... 2.8 6.1 0.0 3.9 32.7 0.0 2.8 0.7

Establishment characteristic

Goods-producing industries .............................................. 3.6 – – – – – 3.6 1.1

Construction .................................................................. – – – – – – 7.3 –

Manufacturing ............................................................... 4.3 – – – – – 4.4 1.2

Service-providing industries .............................................. 1.9 0.0 6.1 0.0 4.4 0.0 2.0 0.8

Trade, transportation, and utilities ................................. 3.0 – – – – – 3.1 1.0

Wholesale trade ........................................................ – – – – – – 6.9 –

Retail trade ................................................................ 4.9 – – – – – 4.9 1.2

Information .................................................................... 5.8 – – – – – 6.1 4.0

Financial activities ......................................................... 3.4 8.4 0.0 9.8 12.8 0.0 3.2 0.5

Finance and insurance .............................................. 3.2 9.6 0.0 11.1 38.0 0.0 3.2 0.6

Credit intermediation and related activities ........... – – – – – – 3.8 –

Insurance carriers and related activities ............... 7.2 13.5 0.0 9.1 25.2 0.0 7.2 0.8

Professional and business services .............................. 4.4 – – – – – 4.6 2.6

Professional and technical services .......................... – – – – – – 6.3 –

Education and health services ...................................... – – – – – – 5.2 –

Educational services ................................................. – – – – – – 3.9 –

Junior colleges, colleges, and universities ............ – – – – – – 4.8 –

Health care and social assistance ............................ – – – – – – 5.8 –

See footnotes at end of table.
Table 24. Standard errors for savings and thrift plans: Default enrollment amount as a percent of the employee maximum

amount matched by employer, private industry workers, National Compensation Survey, 2010—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 ................................................................. 3.0 – – – – – 2.9 0.6

1 to 49 workers ............................................................. 3.1 – – – – – 3.0 0.8

50 to 99 workers ........................................................... 6.0 – – – – – 6.0 0.5

100 workers or more ......................................................... 2.0 0.0 7.7 0.0 6.9 0.0 1.9 1.0

100 to 499 workers ....................................................... 2.7 11.3 4.1 0.0 13.7 28.2 2.9 1.8

500 workers or more ..................................................... 3.1 0.0 9.8 0.0 6.4 0.0 3.3 0.9

Geographic area

New England ..................................................................... 3.0 – – – – – 2.5 1.6

Middle Atlantic ................................................................... 4.1 0.0 8.1 0.0 22.0 32.6 4.0 1.6

East North Central ............................................................ 3.1 – – – – – 3.1 0.5

West North Central ........................................................... 6.1 0.0 0.0 0.0 0.0 17.7 5.4 1.8

South Atlantic .................................................................... 3.6 – – – – – 3.7 1.5

East South Central ............................................................ 7.8 – – – – – 7.8 1.6

West South Central ........................................................... 2.9 – – – – – 4.0 3.6

Mountain ........................................................................... 8.5 11.8 17.2 22.2 0.0 0.0 8.4 2.6

Pacific ............................................................................... 3.4 – – – – – 3.4 0.3

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 The categories are based on the average wage for each occupation surveyed, which

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

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

Earnings in the United States, 2009." See Technical Note for more details.

NOTE: Dashes indicate that no data were reported or that data do not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 25. Savings and thrift plans: Maximum employee contributions, private industry workers, National Compensation Survey, 2010

(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 47 15 25 50 60 75 51 – –

Management, professional, and related ............................ 100 47 – – – – – 49 – –

Management, business, and financial ........................... 100 47 20 25 50 60 75 49 – –

Professional and related ............................................... 100 48 15 25 50 75 75 49 – –

Service .............................................................................. 100 37 – – – – – 63 – –

Protective service .......................................................... 100 – – – – – – 52 – –

Sales and office ................................................................ 100 49 20 25 50 60 75 51 – –

Sales and related .......................................................... 100 47 25 25 50 50 75 52 – –

Office and administrative support ................................. 100 50 15 25 50 60 80 50 – –

Natural resources, construction, and maintenance ........... 100 54 15 25 30 50 75 46 – –

Construction, extraction, farming, fishing, and forestry 100 37 – – – – – 63 – –

Installation, maintenance, and repair ............................ 100 63 – – – – – 36 – –

Production, transportation, and material moving .............. 100 46 15 20 50 50 75 54 – –

Production ..................................................................... 100 48 15 20 40 50 75 52 – –

Transportation and material moving ............................. 100 42 15 20 50 60 80 58 – –

Full time ............................................................................ 100 47 16 25 50 60 75 52 – –

Part time ............................................................................ 100 51 15 25 50 75 80 49 – –

Union ................................................................................. 100 45 16 25 30 50 70 54 – –

Nonunion ........................................................................... 100 47 15 25 50 60 75 51 – –

Average wage within the following categories:1

Lowest 25 percent ......................................................... 100 46 15 25 50 75 90 54 – –

Lowest 10 percent ..................................................... 100 36 – – – – – 64 – –

Second 25 percent ........................................................ 100 45 15 25 50 75 80 55 – –

Third 25 percent ............................................................ 100 45 15 25 50 50 75 54 – –

Highest 25 percent ........................................................ 100 50 20 25 50 60 75 47 – –

Highest 10 percent .................................................... 100 51 – – – – – 45 – –

Establishment characteristic

Goods-producing industries .............................................. 100 47 15 20 40 50 75 51 – –

Construction .................................................................. 100 48 – – – – – 52 – –

Manufacturing ............................................................... 100 46 15 20 35 50 75 51 – –

Service-providing industries .............................................. 100 47 17 25 50 60 75 52 – –

Trade, transportation, and utilities ................................. 100 40 15 30 50 60 80 60 – –

Wholesale trade ........................................................ 100 36 – – – – – 64 – –

Retail trade ................................................................ 100 45 – – – – – 55 – –

Information .................................................................... 100 73 – – – – – 27 – –

Financial activities ......................................................... 100 60 15 25 30 50 60 39 – –

Finance and insurance .............................................. 100 62 15 25 30 50 50 37 – –

Credit intermediation and related activities ........... 100 61 15 20 25 50 50 39 – –

Insurance carriers and related activities ............... 100 55 25 25 50 50 50 43 – –

Professional and business services .............................. 100 51 – – – – – 43 – –

Professional and technical services .......................... 100 50 50 60 60 75 75 44 – –

Education and health services ...................................... 100 39 – – – – – 61 – –

Educational services ................................................. 100 – – – – – – 96 – 2 ( )

Junior colleges, colleges, and universities ............ 100 – – – – – – 95 – 2 ( )

Health care and social assistance ............................ 100 42 – – – – – 58 – –

See footnotes at end of table.
Table 25. Savings and thrift plans: Maximum employee contributions, private industry workers, National Compensation Survey,

2010—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 50 15 25 50 75 75 49 – –

1 to 49 workers ............................................................. 100 50 15 25 60 75 75 50 – –

50 to 99 workers ........................................................... 100 52 15 25 50 75 75 48 – –

100 workers or more ......................................................... 100 45 16 25 50 50 75 52 – –

100 to 499 workers ....................................................... 100 45 15 25 50 50 80 53 – –

500 workers or more ..................................................... 100 46 20 25 50 70 75 51 – –

Geographic area

New England ..................................................................... 100 33 – – – – – 67 – –

Middle Atlantic ................................................................... 100 48 20 25 50 60 75 48 – –

East North Central ............................................................ 100 37 20 25 30 50 60 63 – –

West North Central ........................................................... 100 42 – – – – – 57 – –

South Atlantic .................................................................... 100 58 15 25 50 75 75 41 – –

East South Central ............................................................ 100 52 15 25 30 50 75 48 – –

West South Central ........................................................... 100 50 – – – – – 45 – –

Mountain ........................................................................... 100 58 – – – – – 42 – –

Pacific ............................................................................... 100 43 20 25 50 75 80 57 – 2 ( )

1 The categories are based on the average wage for each occupation surveyed, which may include

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

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

2009." See Technical Note for more details. 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/glossary20102011.htm.
Table 25. Standard errors for savings and thrift plans: Maximum employee contributions, private industry workers, National

Compensation Survey, 2010

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 ........................................................................ 2.4 1.2 0.0 0.0 13.3 0.0 2.3 – –

Management, professional, and related ............................ 4.0 – – – – – 3.8 – –

Management, business, and financial ........................... 4.7 3.4 0.0 0.0 12.0 0.0 4.5 – –

Professional and related ............................................... 4.9 3.7 5.3 2.0 9.7 0.0 4.7 – –

Service .............................................................................. 5.4 – – – – – 5.4 – –

Protective service .......................................................... – – – – – – 15.6 – –

Sales and office ................................................................ 3.2 5.3 0.0 0.0 10.9 7.1 3.2 – –

Sales and related .......................................................... 4.5 1.7 0.0 2.0 12.9 0.0 4.6 – –

Office and administrative support ................................. 3.7 3.5 1.0 0.0 10.2 5.5 3.7 – –

Natural resources, construction, and maintenance ........... 5.5 0.3 10.0 8.4 12.6 18.4 5.5 – –

Construction, extraction, farming, fishing, and forestry 9.8 – – – – – 9.8 – –

Installation, maintenance, and repair ............................ 5.7 – – – – – 5.7 – –

Production, transportation, and material moving .............. 4.4 0.6 2.2 12.7 10.7 1.0 4.4 – –

Production ..................................................................... 4.8 0.6 1.4 16.2 6.9 0.0 4.8 – –

Transportation and material moving ............................. 7.2 2.9 7.4 3.9 5.2 10.3 7.2 – –

Full time ............................................................................ 2.5 1.6 0.0 0.0 11.3 0.0 2.4 – –

Part time ............................................................................ 5.9 0.0 9.8 0.0 8.6 6.5 5.9 – –

Union ................................................................................. 5.1 1.8 4.5 14.1 0.0 18.4 5.1 – –

Nonunion ........................................................................... 2.5 1.1 0.0 0.0 20.3 0.0 2.4 – –

Average wage within the following categories:1

Lowest 25 percent ......................................................... 4.6 1.8 0.0 3.4 5.7 15.1 4.7 – –

Lowest 10 percent ..................................................... 9.8 – – – – – 9.8 – –

Second 25 percent ........................................................ 3.3 3.1 0.0 0.0 13.5 6.6 3.3 – –

Third 25 percent ............................................................ 2.6 0.0 1.4 2.2 13.7 0.0 2.6 – –

Highest 25 percent ........................................................ 3.6 4.9 0.0 0.0 9.5 0.0 3.5 – –

Highest 10 percent .................................................... 4.6 – – – – – 4.6 – –

Establishment characteristic

Goods-producing industries .............................................. 3.2 0.0 3.6 10.4 8.0 0.0 3.2 – –

Construction .................................................................. 8.8 – – – – – 8.8 – –

Manufacturing ............................................................... 3.6 0.0 2.6 8.3 0.0 0.0 3.6 – –

Service-providing industries .............................................. 2.8 3.3 0.0 0.0 20.1 1.7 2.8 – –

Trade, transportation, and utilities ................................. 3.9 4.9 14.5 2.0 18.4 10.4 3.9 – –

Wholesale trade ........................................................ 7.3 – – – – – 7.3 – –

Retail trade ................................................................ 5.7 – – – – – 5.7 – –

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

Financial activities ......................................................... 3.6 3.0 0.0 7.1 0.0 13.6 3.8 – –

Finance and insurance .............................................. 3.1 2.4 0.0 6.2 0.0 2.8 3.1 – –

Credit intermediation and related activities ........... 4.9 0.0 5.2 7.1 0.0 0.0 4.9 – –

Insurance carriers and related activities ............... 6.4 0.0 0.0 8.8 0.0 14.0 6.4 – –

Professional and business services .............................. 6.7 – – – – – 6.3 – –

Professional and technical services .......................... 10.4 13.3 10.2 2.9 9.8 0.0 10.1 – –

Education and health services ...................................... 8.6 – – – – – 8.6 – –

Educational services ................................................. – – – – – – 1.5 – 0.1

Junior colleges, colleges, and universities ............ – – – – – – 1.7 – 0.1

Health care and social assistance ............................ 9.4 – – – – – 9.4 – –

See footnotes at end of table.
Table 25. Standard errors for savings and thrift plans: Maximum employee contributions, private industry workers, National

Compensation Survey, 2010—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 ................................................................. 4.0 0.7 0.0 9.8 19.1 0.0 3.9 – –

1 to 49 workers ............................................................. 5.3 3.2 0.0 9.8 21.2 0.0 5.3 – –

50 to 99 workers ........................................................... 6.5 1.4 6.7 5.9 10.6 12.6 6.5 – –

100 workers or more ......................................................... 2.9 3.1 0.0 0.0 13.0 6.9 2.8 – –

100 to 499 workers ....................................................... 3.5 0.8 2.2 7.2 3.4 1.4 3.6 – –

500 workers or more ..................................................... 4.4 1.4 1.7 0.0 20.0 0.0 4.5 – –

Geographic area

New England ..................................................................... 6.0 – – – – – 6.0 – –

Middle Atlantic ................................................................... 3.5 3.5 5.4 0.0 13.5 5.1 3.6 – –

East North Central ............................................................ 5.9 2.5 0.0 9.4 0.0 19.5 5.9 – –

West North Central ........................................................... 5.9 – – – – – 5.1 – –

South Atlantic .................................................................... 5.0 1.1 7.7 0.0 2.9 0.0 5.3 – –

East South Central ............................................................ 7.4 4.8 0.0 8.8 2.0 16.8 7.4 – –

West South Central ........................................................... 9.7 – – – – – 7.7 – –

Mountain ........................................................................... 6.1 – – – – – 6.1 – –

Pacific ............................................................................... 6.1 7.0 9.5 0.0 16.9 1.0 6.1 – 2 ( )

1 The categories are based on the average wage for each occupation surveyed, which may

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

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

States, 2009." See Technical Note for more details. 2 Less than 0.05.

NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 26. Savings and thrift plans: Maximum employee contribution matched by employer, private industry workers, National

Compensation Survey, 2010

(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 69 3 4 5 6 6 29 2

Management, professional, and related ............................ 100 73 3 4 5 6 6 25 2

Management, business, and financial ........................... 100 68 3 4 5 6 6 32 1

Professional and related ............................................... 100 77 3 4 5 6 6 20 3

Service .............................................................................. 100 75 3 4 5 6 6 25 2 ( )

Protective service .......................................................... 100 61 4 5 5 5 5 – –

Sales and office ................................................................ 100 68 3 4 5 6 6 30 3

Sales and related .......................................................... 100 71 3 4 5 6 6 28 2

Office and administrative support ................................. 100 66 3 4 5 6 6 31 3

Natural resources, construction, and maintenance ........... 100 74 3 4 6 6 7 24 2

Construction, extraction, farming, fishing, and forestry 100 65 3 4 5 6 7 – –

Installation, maintenance, and repair ............................ 100 79 3 4 6 6 7 21 1

Production, transportation, and material moving .............. 100 57 3 4 6 6 6 42 1

Production ..................................................................... 100 56 4 4 6 6 6 41 2

Transportation and material moving ............................. 100 58 3 4 5 6 6 42 –

Full time ............................................................................ 100 69 3 4 5 6 6 29 2

Part time ............................................................................ 100 73 3 4 5 6 6 26 1

Union ................................................................................. 100 62 3 4 6 6 6 37 2

Nonunion ........................................................................... 100 70 3 4 5 6 6 28 2

Average wage within the following categories:3

Lowest 25 percent ......................................................... 100 74 3 4 5 6 6 26 –

Lowest 10 percent ..................................................... 100 61 4 5 5 6 6 – –

Second 25 percent ........................................................ 100 64 3 4 5 6 6 33 3

Third 25 percent ............................................................ 100 66 3 4 5 6 6 32 2

Highest 25 percent ........................................................ 100 72 3 4 5 6 6 25 2

Highest 10 percent .................................................... 100 72 3 4 5 6 6 25 2

Establishment characteristic

Goods-producing industries .............................................. 100 63 4 4 6 6 8 34 3

Construction .................................................................. 100 72 3 4 6 6 6 – –

Manufacturing ............................................................... 100 62 4 4 6 6 8 35 3

Service-providing industries .............................................. 100 71 3 4 5 6 6 27 2

Trade, transportation, and utilities ................................. 100 62 3 4 5 6 7 37 1

Wholesale trade ........................................................ 100 72 3 5 6 6 7 28 –

Retail trade ................................................................ 100 59 – – – – – 39 2

Information .................................................................... 100 88 4 5 6 6 6 – –

Financial activities ......................................................... 100 78 4 4 5 6 6 22 2 ( )

Finance and insurance .............................................. 100 75 4 5 6 6 6 25 2 ( )

Credit intermediation and related activities ........... 100 81 4 5 5 6 6 19 –

Insurance carriers and related activities ............... 100 63 3 4 5 6 7 37 2 ( )

Professional and business services .............................. 100 64 3 3 5 5 6 36 –

Professional and technical services .......................... 100 72 3 3 5 5 6 – –

Education and health services ...................................... 100 77 3 3 4 6 6 18 5

Educational services ................................................. 100 79 – – – – – 18 2

Junior colleges, colleges, and universities ............ 100 76 – – – – – 22 3

Health care and social assistance ............................ 100 77 3 3 4 6 6 17 5

See footnotes at end of table.
Table 26. Savings and thrift plans: Maximum employee contribution matched by employer, private industry workers, National

Compensation Survey, 2010—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 74 3 4 5 6 6 22 4

1 to 49 workers ............................................................. 100 76 3 3 5 6 6 20 4

50 to 99 workers ........................................................... 100 70 3 4 5 6 6 28 2

100 workers or more ......................................................... 100 66 3 4 5 6 6 32 1

100 to 499 workers ....................................................... 100 66 3 4 5 6 6 33 2 ( )

500 workers or more ..................................................... 100 66 3 4 5 6 6 32 2

Geographic area

New England ..................................................................... 100 78 4 5 6 6 6 21 1

Middle Atlantic ................................................................... 100 70 3 4 5 6 6 25 5

East North Central ............................................................ 100 64 3 4 6 6 6 34 1

West North Central ........................................................... 100 72 3 4 6 6 6 28 –

South Atlantic .................................................................... 100 72 3 4 5 6 6 28 2 ( )

East South Central ............................................................ 100 60 4 5 6 6 6 37 2

West South Central ........................................................... 100 64 3 3 5 6 6 35 1

Mountain ........................................................................... 100 79 3 4 5 6 6 – –

Pacific ............................................................................... 100 68 4 5 5 6 6 27 5

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 Less than 0.5. 3 The categories are based on the average wage for each occupation surveyed, which may

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

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

States, 2009." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no

data were reported or that data do not meet publication criteria. For definitions of major plans, key

provisions, and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 26. Standard errors for savings and thrift plans: Maximum employee contribution matched by employer, private

industry workers, National Compensation Survey, 2010

Characteristics

Specified

matching

percent

Maximum employee contribution matched by employer

Other1 Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 2.1 0.0 0.0 0.0 0.0 0.0 2.0 0.9

Management, professional, and related ............................ 2.7 0.0 0.0 0.0 0.0 0.0 2.6 1.1

Management, business, and financial ........................... 3.3 0.0 0.0 0.3 0.0 0.0 3.2 0.6

Professional and related ............................................... 3.4 0.0 0.1 0.0 0.0 0.0 3.1 1.8

Service .............................................................................. 5.3 0.0 0.4 1.1 0.0 0.0 5.3 0.2

Protective service .......................................................... 11.7 0.3 0.6 0.0 0.0 1.1 – –

Sales and office ................................................................ 3.2 0.0 0.0 0.0 0.0 0.0 2.9 1.4

Sales and related .......................................................... 4.1 0.0 0.0 0.0 0.0 0.0 3.9 1.9

Office and administrative support ................................. 3.8 0.0 0.0 0.7 0.0 0.9 3.4 1.8

Natural resources, construction, and maintenance ........... 5.2 0.0 0.0 0.4 0.0 1.0 4.9 2.1

Construction, extraction, farming, fishing, and forestry 10.8 0.0 0.9 1.6 0.0 1.4 – –

Installation, maintenance, and repair ............................ 5.6 0.7 0.1 0.0 0.0 1.3 5.5 0.4

Production, transportation, and material moving .............. 4.7 0.5 0.5 0.9 0.0 0.0 4.6 1.2

Production ..................................................................... 5.4 1.4 0.3 0.0 0.0 0.7 5.2 2.1

Transportation and material moving ............................. 8.2 0.3 1.4 0.0 0.0 0.0 8.2 –

Full time ............................................................................ 2.2 0.0 0.0 0.0 0.0 0.0 2.1 0.9

Part time ............................................................................ 4.5 0.6 0.0 0.0 0.0 0.0 4.5 0.4

Union ................................................................................. 5.6 1.4 0.6 0.8 0.0 0.0 5.4 0.7

Nonunion ........................................................................... 2.2 0.0 0.0 0.0 0.0 0.0 2.1 0.9

Average wage within the following categories:2

Lowest 25 percent ......................................................... 4.8 0.5 0.0 0.0 0.0 0.0 4.8 –

Lowest 10 percent ..................................................... 13.0 0.2 0.4 0.8 0.0 0.8 – –

Second 25 percent ........................................................ 3.4 0.0 0.0 0.2 0.0 0.0 3.1 1.7

Third 25 percent ............................................................ 2.8 0.0 0.0 0.0 0.0 0.0 2.7 0.9

Highest 25 percent ........................................................ 2.4 0.0 0.0 0.5 0.0 0.0 2.4 1.0

Highest 10 percent .................................................... 3.1 0.7 0.3 0.2 0.0 0.3 3.1 1.2

Establishment characteristic

Goods-producing industries .............................................. 3.6 0.8 1.0 0.0 0.0 0.9 3.4 2.0

Construction .................................................................. 8.4 0.5 0.2 0.8 0.0 2.1 – –

Manufacturing ............................................................... 4.2 0.5 1.3 0.0 0.0 0.8 3.9 2.4

Service-providing industries .............................................. 2.6 0.0 0.0 0.0 0.0 0.0 2.4 0.9

Trade, transportation, and utilities ................................. 3.7 0.0 0.4 0.1 0.0 0.8 3.7 0.9

Wholesale trade ........................................................ 6.3 0.7 0.9 1.0 0.0 1.3 6.3 –

Retail trade ................................................................ 4.5 – – – – – 4.4 2.0

Information .................................................................... 4.2 0.8 0.8 0.0 0.0 0.0 – –

Financial activities ......................................................... 3.4 1.1 0.3 0.6 0.0 0.0 3.4 0.2

Finance and insurance .............................................. 3.8 0.0 0.5 0.9 0.0 0.0 3.8 0.2

Credit intermediation and related activities ........... 4.1 0.2 0.2 0.6 0.0 0.0 4.1 –

Insurance carriers and related activities ............... 7.3 1.3 0.0 1.0 0.0 1.3 7.3 0.2

Professional and business services .............................. 6.6 0.0 1.1 0.3 1.4 0.0 6.6 –

Professional and technical services .......................... 9.6 0.0 1.0 1.1 0.7 0.0 – –

Education and health services ...................................... 5.7 0.0 0.7 1.1 0.0 0.0 4.1 4.0

Educational services ................................................. 4.5 – – – – – 4.3 0.6

Junior colleges, colleges, and universities ............ 5.0 – – – – – 4.8 0.7

Health care and social assistance ............................ 6.3 0.0 0.6 1.1 0.0 0.0 4.5 4.4

See footnotes at end of table.
Table 26. Standard errors for savings and thrift plans: Maximum employee contribution matched by employer, private

industry workers, National Compensation Survey, 2010—Continued

Characteristics

Specified

matching

percent

Maximum employee contribution matched by employer

Other1 Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 3.6 0.0 0.9 0.0 0.0 0.0 2.8 2.1

1 to 49 workers ............................................................. 4.3 0.0 1.4 0.3 0.0 0.0 3.5 2.9

50 to 99 workers ........................................................... 5.6 1.0 0.0 0.7 0.0 0.0 5.5 1.5

100 workers or more ......................................................... 2.5 0.0 0.0 0.6 0.0 0.0 2.4 0.8

100 to 499 workers ....................................................... 3.2 0.0 0.6 0.8 0.0 0.7 3.2 0.3

500 workers or more ..................................................... 3.1 0.0 0.0 1.2 0.0 0.0 2.9 1.5

Geographic area

New England ..................................................................... 4.4 0.0 0.7 0.0 0.0 1.1 4.4 0.3

Middle Atlantic ................................................................... 6.4 0.0 0.0 0.0 0.0 2.3 4.1 4.4

East North Central ............................................................ 5.8 0.0 0.0 1.4 0.0 0.3 5.7 0.9

West North Central ........................................................... 3.4 0.3 0.5 0.0 0.0 0.0 3.4 –

South Atlantic .................................................................... 4.8 0.0 0.0 0.1 0.0 0.0 4.9 0.2

East South Central ............................................................ 9.5 0.2 0.0 0.0 0.0 0.0 10.8 2.1

West South Central ........................................................... 8.5 0.0 0.4 1.3 0.0 1.2 8.6 1.1

Mountain ........................................................................... 5.8 0.0 1.6 0.2 0.0 0.0 – –

Pacific ............................................................................... 5.0 0.0 0.6 0.0 0.0 0.0 4.3 4.0

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 The categories are based on the average wage for each occupation surveyed, which

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

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

Earnings in the United States, 2009." See Technical Note for more details.

NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria.

For definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 27. Savings and thrift plans: Method of employer matching contributions, private industry workers, National Compensation

Survey, 2010

(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 69 25 50 50 100 100 29 2

Management, professional, and related ............................ 100 73 25 50 66 100 100 25 2

Management, business, and financial ........................... 100 68 – – – – – 32 1

Professional and related ............................................... 100 77 25 50 50 100 100 20 3

Service .............................................................................. 100 75 – – – – – 25 2 ( )

Protective service .......................................................... 100 61 – – – – – – –

Sales and office ................................................................ 100 68 30 50 100 100 100 30 3

Sales and related .......................................................... 100 71 40 50 100 100 100 28 2

Office and administrative support ................................. 100 66 25 50 75 100 100 31 3

Natural resources, construction, and maintenance ........... 100 74 – – – – – 24 2

Construction, extraction, farming, fishing, and forestry 100 65 – – – – – – –

Installation, maintenance, and repair ............................ 100 79 50 50 50 100 100 21 1

Production, transportation, and material moving .............. 100 57 – – – – – 42 1

Production ..................................................................... 100 56 – – – – – 41 2

Transportation and material moving ............................. 100 58 – – – – – 42 –

Full time ............................................................................ 100 69 25 50 50 100 100 29 2

Part time ............................................................................ 100 73 – – – – – 26 1

Union ................................................................................. 100 62 50 50 66 100 100 37 2

Nonunion ........................................................................... 100 70 25 50 50 100 100 28 2

Average wage within the following categories:3

Lowest 25 percent ......................................................... 100 74 25 50 50 100 100 26 –

Lowest 10 percent ..................................................... 100 61 – – – – – – –

Second 25 percent ........................................................ 100 64 25 50 50 100 100 33 3

Third 25 percent ............................................................ 100 66 25 50 50 100 100 32 2

Highest 25 percent ........................................................ 100 72 25 50 75 100 100 25 2

Highest 10 percent .................................................... 100 72 – – – – – 25 2

Establishment characteristic

Goods-producing industries .............................................. 100 63 25 50 50 100 100 34 3

Construction .................................................................. 100 72 – – – – – – –

Manufacturing ............................................................... 100 62 25 50 50 100 100 35 3

Service-providing industries .............................................. 100 71 25 50 75 100 100 27 2

Trade, transportation, and utilities ................................. 100 62 25 50 70 100 100 37 1

Wholesale trade ........................................................ 100 72 – – – – – 28 –

Retail trade ................................................................ 100 59 40 50 100 100 100 39 2

Information .................................................................... 100 88 50 50 80 100 100 – –

Financial activities ......................................................... 100 78 50 50 100 100 100 22 2 ( )

Finance and insurance .............................................. 100 75 50 65 100 100 100 25 2 ( )

Credit intermediation and related activities ........... 100 81 50 100 100 100 100 19 –

Insurance carriers and related activities ............... 100 63 50 50 100 100 100 37 2 ( )

Professional and business services .............................. 100 64 25 50 100 100 100 36 –

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

Education and health services ...................................... 100 77 – – – – – 18 5

Educational services ................................................. 100 79 – – – – – 18 2

Junior colleges, colleges, and universities ............ 100 76 – – – – – 22 3

Health care and social assistance ............................ 100 77 – – – – – 17 5

See footnotes at end of table.
Table 27. Savings and thrift plans: Method of employer matching contributions, private industry workers, National Compensation

Survey, 2010—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 74 25 50 50 100 100 22 4

1 to 49 workers ............................................................. 100 76 25 50 50 100 100 20 4

50 to 99 workers ........................................................... 100 70 25 25 50 100 100 28 2

100 workers or more ......................................................... 100 66 35 50 66 100 100 32 1

100 to 499 workers ....................................................... 100 66 – – – – – 33 2 ( )

500 workers or more ..................................................... 100 66 35 50 75 100 100 32 2

Geographic area

New England ..................................................................... 100 78 – – – – – 21 1

Middle Atlantic ................................................................... 100 70 – – – – – 25 5

East North Central ............................................................ 100 64 25 35 50 100 100 34 1

West North Central ........................................................... 100 72 – – – – – 28 –

South Atlantic .................................................................... 100 72 – – – – – 28 2 ( )

East South Central ............................................................ 100 60 25 50 50 100 100 37 2

West South Central ........................................................... 100 64 50 50 50 100 100 35 1

Mountain ........................................................................... 100 79 – – – – – – –

Pacific ............................................................................... 100 68 25 50 100 100 100 27 5

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 Less than 0.5. 3 The categories are based on the average wage for each occupation surveyed, which may

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

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

States, 2009." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no

data were reported or that data do not meet publication criteria. For definitions of major plans, key

provisions, and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 27. Standard errors for savings and thrift plans: Method of employer matching contributions, private industry

workers, National Compensation Survey, 2010

Characteristics

Specified

matching

percent

Specified matching percent

Other1 Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 2.1 0.0 0.0 8.0 0.0 0.0 2.0 0.9

Management, professional, and related ............................ 2.7 2.0 0.0 16.7 0.0 0.0 2.6 1.1

Management, business, and financial ........................... 3.3 – – – – – 3.2 0.6

Professional and related ............................................... 3.4 2.0 4.2 6.5 0.0 0.0 3.1 1.8

Service .............................................................................. 5.3 – – – – – 5.3 0.2

Protective service .......................................................... 11.7 – – – – – – –

Sales and office ................................................................ 3.2 8.8 0.0 28.7 0.0 0.0 2.9 1.4

Sales and related .......................................................... 4.1 16.3 0.0 0.0 0.0 0.0 3.9 1.9

Office and administrative support ................................. 3.8 8.7 0.0 21.0 0.0 0.0 3.4 1.8

Natural resources, construction, and maintenance ........... 5.2 – – – – – 4.9 2.1

Construction, extraction, farming, fishing, and forestry 10.8 – – – – – – –

Installation, maintenance, and repair ............................ 5.6 5.9 0.0 22.6 3.5 0.0 5.5 0.4

Production, transportation, and material moving .............. 4.7 – – – – – 4.6 1.2

Production ..................................................................... 5.4 – – – – – 5.2 2.1

Transportation and material moving ............................. 8.2 – – – – – 8.2 –

Full time ............................................................................ 2.2 0.0 0.0 9.4 0.0 0.0 2.1 0.9

Part time ............................................................................ 4.5 – – – – – 4.5 0.4

Union ................................................................................. 5.6 21.3 0.0 18.2 17.1 0.0 5.4 0.7

Nonunion ........................................................................... 2.2 0.0 0.0 7.9 0.0 0.0 2.1 0.9

Average wage within the following categories:2

Lowest 25 percent ......................................................... 4.8 10.0 0.0 9.8 0.0 0.0 4.8 –

Lowest 10 percent ..................................................... 13.0 – – – – – – –

Second 25 percent ........................................................ 3.4 0.0 3.5 0.0 0.0 0.0 3.1 1.7

Third 25 percent ............................................................ 2.8 0.0 0.0 4.8 0.0 0.0 2.7 0.9

Highest 25 percent ........................................................ 2.4 7.0 0.0 9.9 0.0 0.0 2.4 1.0

Highest 10 percent .................................................... 3.1 – – – – – 3.1 1.2

Establishment characteristic

Goods-producing industries .............................................. 3.6 0.0 0.0 0.0 22.5 0.0 3.4 2.0

Construction .................................................................. 8.4 – – – – – – –

Manufacturing ............................................................... 4.2 0.0 0.0 0.0 33.4 0.0 3.9 2.4

Service-providing industries .............................................. 2.6 2.8 0.0 18.3 0.0 0.0 2.4 0.9

Trade, transportation, and utilities ................................. 3.7 3.8 0.0 34.1 0.0 0.0 3.7 0.9

Wholesale trade ........................................................ 6.3 – – – – – 6.3 –

Retail trade ................................................................ 4.5 16.8 0.0 0.0 0.0 19.6 4.4 2.0

Information .................................................................... 4.2 0.0 7.0 5.3 0.0 0.0 – –

Financial activities ......................................................... 3.4 2.9 2.9 0.0 0.0 0.0 3.4 0.2

Finance and insurance .............................................. 3.8 0.0 24.2 0.0 0.0 0.0 3.8 0.2

Credit intermediation and related activities ........... 4.1 0.0 47.3 0.0 0.0 0.0 4.1 –

Insurance carriers and related activities ............... 7.3 0.0 0.0 19.5 0.0 0.0 7.3 0.2

Professional and business services .............................. 6.6 9.8 0.0 4.9 0.0 0.0 6.6 –

Professional and technical services .......................... 9.6 – – – – – – –

Education and health services ...................................... 5.7 – – – – – 4.1 4.0

Educational services ................................................. 4.5 – – – – – 4.3 0.6

Junior colleges, colleges, and universities ............ 5.0 – – – – – 4.8 0.7

Health care and social assistance ............................ 6.3 – – – – – 4.5 4.4

See footnotes at end of table.
Table 27. Standard errors for savings and thrift plans: Method of employer matching contributions, private industry

workers, National Compensation Survey, 2010—Continued

Characteristics

Specified

matching

percent

Specified matching percent

Other1 Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 3.6 0.0 10.1 0.0 0.0 0.0 2.8 2.1

1 to 49 workers ............................................................. 4.3 0.0 0.0 6.2 0.0 0.0 3.5 2.9

50 to 99 workers ........................................................... 5.6 0.0 4.9 0.0 9.6 0.0 5.5 1.5

100 workers or more ......................................................... 2.5 3.6 0.0 15.5 0.0 0.0 2.4 0.8

100 to 499 workers ....................................................... 3.2 – – – – – 3.2 0.3

500 workers or more ..................................................... 3.1 7.2 0.0 20.7 0.0 0.0 2.9 1.5

Geographic area

New England ..................................................................... 4.4 – – – – – 4.4 0.3

Middle Atlantic ................................................................... 6.4 – – – – – 4.1 4.4

East North Central ............................................................ 5.8 5.9 16.4 0.0 6.8 0.0 5.7 0.9

West North Central ........................................................... 3.4 – – – – – 3.4 –

South Atlantic .................................................................... 4.8 – – – – – 4.9 0.2

East South Central ............................................................ 9.5 4.8 13.9 19.8 0.0 0.0 10.8 2.1

West South Central ........................................................... 8.5 0.0 0.0 0.0 0.0 0.0 8.6 1.1

Mountain ........................................................................... 5.8 – – – – – – –

Pacific ............................................................................... 5.0 0.0 0.0 8.8 0.0 0.0 4.3 4.0

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 The categories are based on the average wage for each occupation surveyed, which

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

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

Earnings in the United States, 2009." See Technical Note for more details.

NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria.

For definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 28. Savings and thrift plans: Maximum potential employer contribution,1

 private industry

workers, National Compensation Survey, 2010

(Includes all workers participating in savings and thrift plans that specify matching contributions)

Characteristics

Maximum potential employer contribution

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 1.5 2.0 3.0 4.8 6.0

Management, professional, and related ............................ 1.5 2.0 3.0 5.0 6.0

Management, business, and financial ........................... 1.5 3.0 4.0 5.0 6.0

Professional and related ............................................... 1.3 2.0 3.0 4.8 6.0

Service .............................................................................. 1.5 1.5 2.5 4.0 5.0

Protective service .......................................................... 2.5 3.0 5.0 5.0 5.0

Sales and office ................................................................ 1.5 2.5 3.0 5.0 6.0

Sales and related .......................................................... 1.5 2.5 4.0 5.0 6.0

Office and administrative support ................................. 1.5 2.5 3.0 5.0 6.0

Natural resources, construction, and maintenance ........... 1.5 2.0 3.0 4.0 5.0

Construction, extraction, farming, fishing, and forestry 1.5 2.0 3.0 4.0 4.0

Installation, maintenance, and repair ............................ 1.5 3.0 3.0 4.5 6.0

Production, transportation, and material moving .............. 1.3 2.0 3.0 3.5 5.0

Production ..................................................................... 1.3 2.0 3.0 3.0 5.0

Transportation and material moving ............................. 1.3 2.0 3.0 4.0 5.0

Full time ............................................................................ 1.5 2.0 3.0 4.8 6.0

Part time ............................................................................ 2.0 2.1 3.0 5.0 5.0

Union ................................................................................. 1.5 2.0 3.0 4.5 5.0

Nonunion ........................................................................... 1.5 2.0 3.0 5.0 6.0

Average wage within the following categories:2

Lowest 25 percent ......................................................... 1.5 2.0 3.0 4.0 5.0

Lowest 10 percent ..................................................... 1.5 2.5 4.0 5.0 6.0

Second 25 percent ........................................................ 1.5 2.0 3.0 4.0 5.0

Third 25 percent ............................................................ 1.3 2.0 3.0 4.0 5.1

Highest 25 percent ........................................................ 1.5 2.5 3.5 5.0 6.0

Highest 10 percent .................................................... 1.5 3.0 4.0 5.0 6.0

Establishment characteristic

Goods-producing industries .............................................. 1.5 2.0 3.0 4.0 6.0

Construction .................................................................. 1.5 2.0 3.0 4.0 4.0

Manufacturing ............................................................... 1.3 2.0 3.0 4.0 6.0

Service-providing industries .............................................. 1.5 2.1 3.0 5.0 6.0

Trade, transportation, and utilities ................................. 1.5 2.5 3.5 5.0 5.0

Wholesale trade ........................................................ 1.5 2.0 3.0 4.0 5.0

Financial activities ......................................................... 2.0 3.0 4.0 5.0 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 ............... 2.5 3.0 3.9 5.0 6.0

Professional and business services .............................. 1.3 3.0 3.0 4.8 5.0

Education and health services ...................................... 1.5 1.5 2.1 3.0 4.0

Health care and social assistance ............................ 1.5 1.5 2.0 3.0 3.0

See footnotes at end of table.
Table 28. Savings and thrift plans: Maximum potential employer contribution,1

 private industry

workers, National Compensation Survey, 2010—Continued

(Includes all workers participating in savings and thrift plans that specify matching contributions)

Characteristics

Maximum potential employer contribution

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 1.3 1.5 3.0 4.0 5.0

1 to 49 workers ............................................................. 1.3 1.5 3.0 4.0 6.0

50 to 99 workers ........................................................... 1.0 1.5 3.0 4.0 5.0

100 workers or more ......................................................... 1.5 2.1 3.0 5.0 6.0

100 to 499 workers ....................................................... 1.5 2.5 3.0 5.0 5.0

500 workers or more ..................................................... 2.0 2.1 3.5 5.0 6.0

Geographic area

New England ..................................................................... 1.5 3.0 3.6 5.0 6.0

Middle Atlantic ................................................................... 1.0 2.5 3.6 5.0 6.0

East North Central ............................................................ 1.5 2.1 3.0 4.0 5.0

South Atlantic .................................................................... 1.5 2.0 3.0 4.0 5.0

East South Central ............................................................ 1.5 3.0 3.0 5.0 6.0

Mountain ........................................................................... 1.3 2.0 3.0 4.0 6.0

Pacific ............................................................................... 1.3 3.0 4.0 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 The categories are based on the average wage for each occupation

surveyed, which may include workers with earnings both above and below

the threshold. The average wages are based on the estimates published

in the "National Compensation Survey: Occupational Earnings in the

United States, 2009." See Technical Note for more details.

NOTE: Dashes indicate that no data were reported or that data do not

meet publication criteria. For definitions of major plans, key provisions,

and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 28. Standard errors for savings and thrift plans: Maximum potential employer

contribution,1 private industry workers, National Compensation Survey, 2010

Characteristics

Maximum potential employer contribution

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 0.1 0.1 0.0 0.3 0.4

Management, professional, and related ............................ 0.3 0.2 0.0 0.1 0.1

Management, business, and financial ........................... 0.0 0.0 0.6 0.0 0.0

Professional and related ............................................... 0.3 0.3 0.0 0.8 1.3

Service .............................................................................. 0.4 0.5 0.7 0.6 0.3

Protective service .......................................................... 0.3 1.5 0.7 0.0 0.0

Sales and office ................................................................ 0.1 0.6 0.5 0.0 0.0

Sales and related .......................................................... 0.3 0.7 0.0 0.0 0.0

Office and administrative support ................................. 0.4 0.7 0.1 0.3 0.2

Natural resources, construction, and maintenance ........... 0.0 0.9 0.2 0.3 0.8

Construction, extraction, farming, fishing, and forestry 0.0 0.8 0.3 0.5 1.1

Installation, maintenance, and repair ............................ 0.5 0.4 0.5 0.7 1.3

Production, transportation, and material moving .............. 0.2 0.1 0.0 0.7 0.4

Production ..................................................................... 0.3 0.2 0.0 0.5 1.3

Transportation and material moving ............................. 0.3 0.8 0.1 0.7 0.3

Full time ............................................................................ 0.2 0.1 0.0 0.3 0.2

Part time ............................................................................ 2 ( ) 0.6 0.0 1.5 0.2

Union ................................................................................. 0.2 0.2 0.0 0.7 0.1

Nonunion ........................................................................... 0.2 0.1 0.0 0.4 0.2

Average wage within the following categories:3

Lowest 25 percent ......................................................... 0.0 0.4 0.0 0.3 0.0

Lowest 10 percent ..................................................... 0.3 0.5 1.2 0.9 0.8

Second 25 percent ........................................................ 0.2 0.0 0.0 0.1 0.3

Third 25 percent ............................................................ 0.2 0.1 0.0 2 ( ) 0.9

Highest 25 percent ........................................................ 0.1 0.7 0.7 2 ( ) 0.0

Highest 10 percent .................................................... 0.0 0.2 2 ( ) 0.0 0.0

Establishment characteristic

Goods-producing industries .............................................. 0.4 0.1 0.0 0.2 1.1

Construction .................................................................. 0.3 0.8 0.0 1.0 1.1

Manufacturing ............................................................... 0.3 0.4 0.0 0.9 0.3

Service-providing industries .............................................. 0.1 0.2 0.0 0.2 0.4

Trade, transportation, and utilities ................................. 0.0 0.3 0.3 0.7 0.4

Wholesale trade ........................................................ 0.1 0.8 0.1 1.1 1.2

Financial activities ......................................................... 0.3 0.0 0.5 1.5 0.0

Finance and insurance .............................................. 0.2 0.1 0.4 0.3 0.0

Credit intermediation and related activities ........... 0.0 0.5 0.0 1.0 0.0

Insurance carriers and related activities ............... 0.3 0.0 0.5 0.6 0.0

Professional and business services .............................. 0.1 0.6 0.0 1.1 0.3

Education and health services ...................................... 0.1 0.4 0.1 0.0 1.2

Health care and social assistance ............................ 2 ( ) 0.3 0.1 0.4 0.5

See footnotes at end of table.
Table 28. Standard errors for savings and thrift plans: Maximum potential employer

contribution,1 private industry workers, National Compensation Survey, 2010—Continued

Characteristics

Maximum potential employer contribution

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 0.3 0.1 0.0 0.3 1.1

1 to 49 workers ............................................................. 0.1 0.5 0.0 0.5 0.6

50 to 99 workers ........................................................... 0.0 0.2 0.0 0.5 0.0

100 workers or more ......................................................... 0.3 0.5 0.0 0.1 0.2

100 to 499 workers ....................................................... 0.0 0.4 0.0 0.4 0.3

500 workers or more ..................................................... 0.5 0.4 0.8 0.1 0.0

Geographic area

New England ..................................................................... 0.0 0.0 0.7 0.8 0.5

Middle Atlantic ................................................................... 0.2 0.8 0.8 0.0 0.0

East North Central ............................................................ 0.5 0.1 0.3 0.8 0.0

South Atlantic .................................................................... 0.0 0.6 0.0 0.0 0.5

East South Central ............................................................ 0.0 1.5 0.3 0.6 0.7

Mountain ........................................................................... 0.1 0.4 0.0 1.0 0.3

Pacific ............................................................................... 0.2 1.2 0.6 0.0 0.8

1 The maximum potential employer contribution is determined by

multiplying the maximum employee contribution subject to matching by the

employer matching percent, for those plans that specify both values. 2 Less than 0.05. 3 The categories are based on the average wage for each occupation

surveyed, which may include workers with earnings both above and below

the threshold. The average wages are based on the estimates published

in the "National Compensation Survey: Occupational Earnings in the

United States, 2009." See Technical Note for more details.

NOTE: Dashes indicate that no data were reported or that data do not

meet publication criteria. For definitions of major plans, key provisions,

and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 29. Defined benefit plans: Eligibility requirements, private industry workers, National Compensation Survey, 2010

(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 81 69 21 12 11 1 19 1 ( )

Management, professional, and related ............................ 100 73 61 21 12 10 1 27 –

Management, business, and financial ........................... 100 69 60 21 12 – – 31 –

Professional and related ............................................... 100 74 62 21 12 11 1 26 –

Service .............................................................................. 100 93 79 21 – – – – –

Sales and office ................................................................ 100 88 81 21 12 7 1 12 1 ( )

Sales and related .......................................................... 100 91 88 21 12 – – – –

Office and administrative support ................................. 100 87 79 21 12 8 1 12 1 ( )

Natural resources, construction, and maintenance ........... 100 87 64 21 12 23 1 – –

Construction, extraction, farming, fishing, and forestry 100 97 74 21 12 – – – –

Production, transportation, and material moving .............. 100 79 65 21 12 13 1 ( ) 21 –

Transportation and material moving ............................. 100 97 82 21 12 – – – –

Full time ............................................................................ 100 79 67 21 12 12 1 21 1 ( )

Part time ............................................................................ 100 94 87 21 12 7 1 ( ) – –

Union ................................................................................. 100 90 74 21 12 15 1 10 1 ( )

Nonunion ........................................................................... 100 76 66 21 12 9 1 24 –

Average wage within the following categories:2

Lowest 25 percent ......................................................... 100 91 84 21 12 – – – –

Second 25 percent ........................................................ 100 87 78 21 12 9 1 13 –

Third 25 percent ............................................................ 100 85 72 21 12 13 1 ( ) 15 1 ( )

Highest 25 percent ........................................................ 100 74 61 21 12 12 1 26 1 ( )

Highest 10 percent .................................................... 100 68 56 21 12 10 1 32 –

Establishment characteristic

Goods-producing industries .............................................. 100 68 54 21 12 13 1 32 –

Construction .................................................................. 100 100 82 – 12 – – – –

Manufacturing ............................................................... 100 63 50 21 12 12 1 37 –

Service-providing industries .............................................. 100 85 73 21 12 11 1 15 1 ( )

Trade, transportation, and utilities ................................. 100 93 82 21 12 12 – – –

Information .................................................................... 100 63 45 – 12 – – 37 1

Financial activities ......................................................... 100 93 88 21 12 – – 7 –

Finance and insurance .............................................. 100 94 89 21 12 – – 6 –

Credit intermediation and related activities ........... 100 95 94 21 12 – – – –

Insurance carriers and related activities ............... 100 90 79 21 12 – – – –

Professional and business services .............................. 100 53 38 21 12 – – 47 –

Education and health services ...................................... 100 91 80 21 12 – – – –

Educational services ................................................. 100 98 64 21 – 34 – – –

Junior colleges, colleges, and universities ............ 100 96 56 21 – 41 – – –

Health care and social assistance ............................ 100 91 82 21 12 – – – –

See footnotes at end of table.
Table 29. Defined benefit plans: Eligibility requirements, private industry workers, National Compensation Survey, 2010—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 88 78 21 12 – – – –

1 to 49 workers ............................................................. 100 88 82 21 12 – – – –

50 to 99 workers ........................................................... 100 87 72 21 12 – – – –

100 workers or more ......................................................... 100 79 66 21 12 12 1 21 1 ( )

100 to 499 workers ....................................................... 100 83 72 21 12 10 2 17 –

500 workers or more ..................................................... 100 77 63 21 12 13 1 23 1 ( )

Geographic area

New England ..................................................................... 100 67 58 21 12 – – 33 –

Middle Atlantic ................................................................... 100 89 72 21 12 17 1 ( ) 11 –

East North Central ............................................................ 100 82 73 21 12 7 2 18 –

West North Central ........................................................... 100 89 74 21 12 – – – –

South Atlantic .................................................................... 100 80 71 21 12 9 1 ( ) – –

West South Central ........................................................... 100 82 61 21 12 – – – –

Mountain ........................................................................... 100 79 65 21 12 – – 21 1 ( )

Pacific ............................................................................... 100 80 71 21 12 – – – –

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

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

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

2009." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data

were reported or that data do not meet publication criteria. For definitions of major plans, key provisions,

and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 29. Standard errors for defined benefit plans: Eligibility requirements, private industry workers, National Compensation

Survey, 2010

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 ........................................................................ 2.3 2.5 0.0 0.0 1.6 0.4 2.3 1 ( )

Management, professional, and related ............................ 4.3 4.5 0.0 0.0 2.5 0.8 4.3 –

Management, business, and financial ........................... 5.2 5.0 0.0 0.0 – – 5.2 –

Professional and related ............................................... 4.9 5.7 0.0 0.0 3.1 0.5 4.9 –

Service .............................................................................. 3.3 5.9 0.0 – – – – –

Sales and office ................................................................ 2.0 2.5 0.0 0.0 1.4 0.3 2.0 0.1

Sales and related .......................................................... 4.7 5.0 0.0 0.0 – – – –

Office and administrative support ................................. 2.1 2.6 0.0 0.0 1.7 0.4 2.1 0.1

Natural resources, construction, and maintenance ........... 5.8 7.3 0.0 0.0 6.3 0.8 – –

Construction, extraction, farming, fishing, and forestry 1.7 9.7 1.0 0.0 – – – –

Production, transportation, and material moving .............. 3.5 3.8 0.0 0.0 2.8 0.1 3.5 –

Transportation and material moving ............................. 1.3 4.6 0.0 0.0 – – – –

Full time ............................................................................ 2.4 2.7 0.0 0.0 1.8 0.5 2.4 1 ( )

Part time ............................................................................ 2.1 2.8 0.0 0.0 2.0 0.3 – –

Union ................................................................................. 1.8 3.7 0.0 0.0 3.3 0.8 1.8 0.1

Nonunion ........................................................................... 3.4 3.8 0.0 0.0 1.6 0.3 3.4 –

Average wage within the following categories:2

Lowest 25 percent ......................................................... 6.5 6.9 0.0 0.0 – – – –

Second 25 percent ........................................................ 3.0 3.4 0.0 0.0 1.8 0.4 3.0 –

Third 25 percent ............................................................ 2.5 3.3 0.0 0.0 3.3 0.2 2.5 0.1

Highest 25 percent ........................................................ 3.5 3.6 0.0 0.0 2.3 0.8 3.5 1 ( )

Highest 10 percent .................................................... 5.0 4.6 0.0 0.0 2.5 0.5 5.0 –

Establishment characteristic

Goods-producing industries .............................................. 4.3 4.2 0.0 0.0 2.3 0.4 4.3 –

Construction .................................................................. 0.0 8.6 – 1.2 – – – –

Manufacturing ............................................................... 5.2 5.0 0.0 0.0 2.4 0.5 5.2 –

Service-providing industries .............................................. 2.7 3.3 0.0 0.0 2.1 0.6 2.7 1 ( )

Trade, transportation, and utilities ................................. 3.0 4.2 0.0 0.0 3.4 – – –

Information .................................................................... 9.9 10.3 – 0.0 – – 9.8 0.4

Financial activities ......................................................... 2.0 2.2 0.0 0.0 – – 2.0 –

Finance and insurance .............................................. 1.6 2.2 0.0 0.0 – – 1.6 –

Credit intermediation and related activities ........... 2.2 2.1 0.0 0.0 – – – –

Insurance carriers and related activities ............... 3.4 5.5 0.0 0.0 – – – –

Professional and business services .............................. 10.5 9.4 0.0 0.0 – – 10.5 –

Education and health services ...................................... 3.2 5.3 0.0 0.0 – – – –

Educational services ................................................. 0.6 10.2 0.0 – 10.0 – – –

Junior colleges, colleges, and universities ............ 0.9 7.5 1.4 – 7.3 – – –

Health care and social assistance ............................ 3.6 5.7 0.0 0.0 – – – –

See footnotes at end of table.
Table 29. Standard errors for defined benefit plans: Eligibility requirements, private industry workers, National Compensation

Survey, 2010—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 ................................................................. 4.8 6.1 0.0 0.0 – – – –

1 to 49 workers ............................................................. 5.6 6.6 0.0 2.9 – – – –

50 to 99 workers ........................................................... 8.6 10.2 0.0 0.0 – – – –

100 workers or more ......................................................... 2.4 2.6 0.0 0.0 1.9 0.6 2.4 1 ( )

100 to 499 workers ....................................................... 4.7 4.3 0.0 0.0 2.4 1.5 4.7 –

500 workers or more ..................................................... 2.8 3.4 0.0 0.0 2.4 0.2 2.8 1 ( )

Geographic area

New England ..................................................................... 9.5 7.9 0.0 0.0 – – 9.5 –

Middle Atlantic ................................................................... 2.9 4.3 0.0 0.0 4.6 0.3 2.9 –

East North Central ............................................................ 3.6 4.3 0.0 0.0 1.5 1.7 3.6 –

West North Central ........................................................... 4.9 6.5 0.0 0.0 – – – –

South Atlantic .................................................................... 6.7 6.9 0.0 0.0 2.4 0.1 – –

West South Central ........................................................... 8.0 8.4 0.0 0.0 – – – –

Mountain ........................................................................... 6.5 10.8 0.0 0.0 – – 6.2 0.4

Pacific ............................................................................... 8.1 9.4 0.0 0.0 – – – –

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

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

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

United States, 2009." See Technical Note for more details.

NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 30. Defined benefit plans: Plan sponsor, private industry workers, National

Compensation Survey, 2010

(All workers participating in defined benefit plans = 100 percent)

Characteristics Total Single

employer

Multiemployer1 Other

Worker characteristic

All workers ........................................................................ 100 82 – –

Management, professional, and related ............................ 100 96 – –

Management, business, and financial ........................... 100 98 – –

Professional and related ............................................... 100 94 – –

Service .............................................................................. 100 60 – –

Sales and office ................................................................ 100 87 – –

Sales and related .......................................................... 100 79 – –

Office and administrative support ................................. 100 89 – –

Natural resources, construction, and maintenance ........... 100 54 – –

Construction, extraction, farming, fishing, and forestry 100 – 75 –

Production, transportation, and material moving .............. 100 72 – –

Transportation and material moving ............................. 100 67 – –

Full time ............................................................................ 100 82 – –

Part time ............................................................................ 100 77 23 –

Union ................................................................................. 100 59 – –

Nonunion ........................................................................... 100 94 – –

Average wage within the following categories:2

Lowest 25 percent ......................................................... 100 74 26 –

Second 25 percent ........................................................ 100 83 – –

Third 25 percent ............................................................ 100 73 – –

Highest 25 percent ........................................................ 100 88 – –

Highest 10 percent .................................................... 100 94 – –

Establishment characteristic

Goods-producing industries .............................................. 100 75 25 –

Construction .................................................................. 100 – 99 –

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

Service-providing industries .............................................. 100 84 – –

Trade, transportation, and utilities ................................. 100 66 – –

Information .................................................................... 100 91 – –

Financial activities ......................................................... 100 99 – –

Finance and insurance .............................................. 100 99 – –

Credit intermediation and related activities ........... 100 99 – –

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

Professional and business services .............................. 100 99 – –

Education and health services ...................................... 100 82 – –

Educational services ................................................. 100 83 – –

Junior colleges, colleges, and universities ............ 100 86 – –

Health care and social assistance ............................ 100 82 – –

See footnotes at end of table.
Table 30. Defined benefit plans: Plan sponsor, private industry workers, National

Compensation Survey, 2010—Continued

(All workers participating in defined benefit plans = 100 percent)

Characteristics Total Single

employer

Multiemployer1 Other

1 to 99 workers ................................................................. 100 64 – –

1 to 49 workers ............................................................. 100 64 – –

50 to 99 workers ........................................................... 100 63 – –

100 workers or more ......................................................... 100 86 – –

100 to 499 workers ....................................................... 100 74 – –

500 workers or more ..................................................... 100 93 – –

Geographic area

New England ..................................................................... 100 91 – –

Middle Atlantic ................................................................... 100 71 29 –

East North Central ............................................................ 100 85 – –

West North Central ........................................................... 100 83 – –

South Atlantic .................................................................... 100 91 – –

West South Central ........................................................... 100 92 – –

Mountain ........................................................................... 100 94 – –

Pacific ............................................................................... 100 65 – –

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 The categories are based on the average wage for each

occupation surveyed, which may include workers with earnings

both above and below the threshold. The average wages are

based on the estimates published in the "National Compensation

Survey: Occupational Earnings in the United States, 2009." See

Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not

equal totals. Dashes indicate that no data were reported or that

data do not meet publication criteria. For definitions of major

plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 30. Standard errors for defined benefit plans: Plan sponsor, private

industry workers, National Compensation Survey, 2010

Characteristics Single

employer

Multiemployer1 Other

Worker characteristic

All workers ........................................................................ 2.8 – –

Management, professional, and related ............................ 0.8 – –

Management, business, and financial ........................... 0.7 – –

Professional and related ............................................... 1.3 – –

Service .............................................................................. 11.9 – –

Sales and office ................................................................ 3.3 – –

Sales and related .......................................................... 5.7 – –

Office and administrative support ................................. 3.5 – –

Natural resources, construction, and maintenance ........... 6.3 – –

Construction, extraction, farming, fishing, and forestry – 8.2 –

Production, transportation, and material moving .............. 4.3 – –

Transportation and material moving ............................. 6.5 – –

Full time ............................................................................ 2.7 – –

Part time ............................................................................ 6.2 6.2 –

Union ................................................................................. 3.4 – –

Nonunion ........................................................................... 3.3 – –

Average wage within the following categories:2

Lowest 25 percent ......................................................... 5.9 5.9 –

Second 25 percent ........................................................ 3.1 – –

Third 25 percent ............................................................ 6.3 – –

Highest 25 percent ........................................................ 1.9 – –

Highest 10 percent .................................................... 1.7 – –

Establishment characteristic

Goods-producing industries .............................................. 3.7 3.7 –

Construction .................................................................. – 1.1 –

Manufacturing ............................................................... 3.7 3.7 –

Service-providing industries .............................................. 3.5 – –

Trade, transportation, and utilities ................................. 5.3 – –

Information .................................................................... 4.9 – –

Financial activities ......................................................... 0.5 – –

Finance and insurance .............................................. 0.6 – –

Credit intermediation and related activities ........... 1.2 – –

Insurance carriers and related activities ............... 0.0 – –

Professional and business services .............................. 1.0 – –

Education and health services ...................................... 9.7 – –

Educational services ................................................. 10.1 – –

Junior colleges, colleges, and universities ............ 7.3 – –

Health care and social assistance ............................ 10.8 – –

See footnotes at end of table.
Table 30. Standard errors for defined benefit plans: Plan sponsor, private

industry workers, National Compensation Survey, 2010—Continued

Characteristics Single

employer

Multiemployer1 Other

1 to 99 workers ................................................................. 8.2 – –

1 to 49 workers ............................................................. 11.3 – –

50 to 99 workers ........................................................... 8.6 – –

100 workers or more ......................................................... 1.7 – –

100 to 499 workers ....................................................... 3.3 – –

500 workers or more ..................................................... 1.5 – –

Geographic area

New England ..................................................................... 4.5 – –

Middle Atlantic ................................................................... 3.1 3.1 –

East North Central ............................................................ 3.4 – –

West North Central ........................................................... 4.7 – –

South Atlantic .................................................................... 3.6 – –

West South Central ........................................................... 1.9 – –

Mountain ........................................................................... 3.2 – –

Pacific ............................................................................... 14.1 – –

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 The categories are based on the average wage for

each occupation surveyed, which may include workers

with earnings both above and below the threshold. The

average wages are based on the estimates published in

the "National Compensation Survey: Occupational

Earnings in the United States, 2009." See Technical

Note for more details.

NOTE: Dashes indicate that no data were reported or

that data do not meet publication criteria. For definitions

of major plans, key provisions, and related terms, see

the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 31. Defined benefit plans: Primary formula, private industry workers, National Compensation Survey, 2010

(All workers participating in defined benefit plans = 100 percent)

Characteristics Total Traditional

Traditional plan formula

Nontraditional

Non-traditional plan formula

Percent of

terminal

earnings

Percent of

career

earnings

Dollar

amount

Percent of

employer

contribution

Cash

balance

Pension

equity Other

Worker characteristic

All workers ........................................................................ 100 64 32 11 18 3 36 31 5 –

Management, professional, and related ............................ 100 50 34 11 – – 50 42 – –

Management, business, and financial ........................... 100 52 35 – – – 48 40 – –

Professional and related ............................................... 100 48 34 10 – – 52 44 – –

Service .............................................................................. 100 – 52 – – – – – – –

Sales and office ................................................................ 100 59 30 – 15 – 41 40 – –

Sales and related .......................................................... 100 59 28 – – – 41 38 – –

Office and administrative support ................................. 100 58 31 14 – – 42 41 – –

Natural resources, construction, and maintenance ........... 100 75 24 – 31 – 25 – – –

Construction, extraction, farming, fishing, and forestry 100 – – – 42 – – – – –

Production, transportation, and material moving .............. 100 86 25 – 42 – 14 10 – –

Transportation and material moving ............................. 100 – 21 25 43 – – – – –

Full time ............................................................................ 100 63 33 11 16 3 37 31 6 –

Part time ............................................................................ 100 77 25 – 38 – 23 23 – –

Union ................................................................................. 100 84 22 10 45 7 16 11 – –

Nonunion ........................................................................... 100 54 38 12 – – 46 41 – –

Average wage within the following categories:1

Lowest 25 percent ......................................................... 100 72 21 – 42 – 28 – – –

Second 25 percent ........................................................ 100 68 33 – 23 – 32 30 – –

Third 25 percent ............................................................ 100 73 36 12 21 4 27 23 – –

Highest 25 percent ........................................................ 100 57 31 12 – – 43 36 7 –

Highest 10 percent .................................................... 100 52 33 – 7 – 48 37 11 –

Establishment characteristic

Goods-producing industries .............................................. 100 78 27 – 40 – 22 19 – –

Construction .................................................................. 100 – – – 46 – – – – –

Manufacturing ............................................................... 100 78 29 – 42 – 22 21 – –

Service-providing industries .............................................. 100 60 34 13 – – 40 34 6 –

Trade, transportation, and utilities ................................. 100 84 35 – 32 – 16 9 – –

Information .................................................................... 100 – – – – – – 66 – –

Financial activities ......................................................... 100 37 27 10 – – 63 62 – –

Finance and insurance .............................................. 100 35 25 11 – – 65 63 – –

Credit intermediation and related activities ........... 100 19 – – – – 81 79 – –

Insurance carriers and related activities ............... 100 62 47 – – – 38 38 – –

Professional and business services .............................. 100 63 39 – – – 37 27 – –

Education and health services ...................................... 100 58 42 – – – 42 – – –

Educational services ................................................. 100 – – 56 – – – – – –

Junior colleges, colleges, and universities ............ 100 – 28 55 – – – – – –

Health care and social assistance ............................ 100 54 43 – – – 46 44 – –

See footnotes at end of table.
Table 31. Defined benefit plans: Primary formula, private industry workers, National Compensation Survey, 2010—Continued

(All workers participating in defined benefit plans = 100 percent)

Characteristics Total Traditional

Traditional plan formula

Nontraditional

Non-traditional plan formula

Percent of

terminal

earnings

Percent of

career

earnings

Dollar

amount

Percent of

employer

contribution

Cash

balance

Pension

equity Other

1 to 99 workers ................................................................. 100 67 38 – – – 33 30 – –

1 to 49 workers ............................................................. 100 63 – – – – 37 36 – –

50 to 99 workers ........................................................... 100 – 39 – – – – – – –

100 workers or more ......................................................... 100 64 30 – 20 – 36 31 6 –

100 to 499 workers ....................................................... 100 76 29 – 32 – 24 20 – –

500 workers or more ..................................................... 100 57 31 – 13 – 43 37 7 –

Geographic area

New England ..................................................................... 100 50 – 13 – – 50 40 – –

Middle Atlantic ................................................................... 100 67 – 16 – – 33 25 – –

East North Central ............................................................ 100 63 22 – 27 – 37 – – –

West North Central ........................................................... 100 69 35 – 14 – 31 30 – –

South Atlantic .................................................................... 100 64 36 – 21 – 36 34 – –

West South Central ........................................................... 100 77 56 – – – 23 21 – –

Mountain ........................................................................... 100 54 42 – – – 46 43 – –

Pacific ............................................................................... 100 – 39 14 – – – – – –

1 The categories are based on the average wage for each occupation surveyed, which may include

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

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

2009." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data

were reported or that data do not meet publication criteria. For definitions of major plans, key provisions,

and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 31. Standard errors for defined benefit plans: Primary formula, private industry workers, National Compensation Survey,

2010

Characteristics Traditional

Traditional plan formula

Nontraditional

Non-traditional plan formula

Percent of

terminal

earnings

Percent of

career

earnings

Dollar

amount

Percent of

employer

contribution

Cash

balance

Pension

equity Other

Worker characteristic

All workers ........................................................................ 3.4 3.2 1.6 2.0 0.7 3.4 3.4 1.2 –

Management, professional, and related ............................ 5.2 4.3 3.0 – – 5.2 5.6 – –

Management, business, and financial ........................... 5.2 5.5 – – – 5.2 5.2 – –

Professional and related ............................................... 6.7 5.2 3.0 – – 6.7 7.5 – –

Service .............................................................................. – 13.2 – – – – – – –

Sales and office ................................................................ 4.3 3.5 – 3.8 – 4.3 4.1 – –

Sales and related .......................................................... 7.9 7.1 – – – 7.9 7.6 – –

Office and administrative support ................................. 4.3 3.5 2.7 – – 4.3 4.2 – –

Natural resources, construction, and maintenance ........... 6.8 5.2 – 6.0 – 6.8 – – –

Construction, extraction, farming, fishing, and forestry – – – 10.4 – – – – –

Production, transportation, and material moving .............. 2.7 3.7 – 4.3 – 2.7 1.9 – –

Transportation and material moving ............................. – 5.1 6.2 6.7 – – – – –

Full time ............................................................................ 3.3 3.3 1.6 1.7 0.8 3.3 3.3 1.4 –

Part time ............................................................................ 6.3 5.5 – 7.1 – 6.3 6.3 – –

Union ................................................................................. 3.3 4.2 2.1 3.6 1.6 3.3 2.3 – –

Nonunion ........................................................................... 4.5 4.0 2.0 – – 4.5 4.4 – –

Average wage within the following categories:1

Lowest 25 percent ......................................................... 8.1 5.1 – 8.0 – 8.1 – – –

Second 25 percent ........................................................ 5.3 5.5 – 4.3 – 5.3 5.3 – –

Third 25 percent ............................................................ 3.2 5.2 2.1 3.0 1.1 3.2 2.8 – –

Highest 25 percent ........................................................ 3.9 3.5 2.2 – – 3.9 4.2 1.8 –

Highest 10 percent .................................................... 4.9 4.9 – 1.4 – 4.9 5.1 3.0 –

Establishment characteristic

Goods-producing industries .............................................. 3.1 3.4 – 4.1 – 3.1 3.2 – –

Construction .................................................................. – – – 11.5 – – – – –

Manufacturing ............................................................... 3.8 3.9 – 4.6 – 3.8 3.8 – –

Service-providing industries .............................................. 4.2 4.0 2.0 – – 4.2 4.2 1.6 –

Trade, transportation, and utilities ................................. 4.4 5.4 – 6.5 – 4.4 2.5 – –

Information .................................................................... – – – – – – 9.7 – –

Financial activities ......................................................... 3.7 3.5 2.6 – – 3.7 3.7 – –

Finance and insurance .............................................. 3.7 3.3 2.6 – – 3.7 3.7 – –

Credit intermediation and related activities ........... 5.0 – – – – 5.0 5.4 – –

Insurance carriers and related activities ............... 6.1 6.7 – – – 6.1 6.1 – –

Professional and business services .............................. 10.7 10.8 – – – 10.7 8.0 – –

Education and health services ...................................... 12.3 10.3 – – – 12.3 – – –

Educational services ................................................. – – 12.4 – – – – – –

Junior colleges, colleges, and universities ............ – 5.9 7.5 – – – – – –

Health care and social assistance ............................ 12.8 11.3 – – – 12.8 13.0 – –

See footnotes at end of table.
Table 31. Standard errors for defined benefit plans: Primary formula, private industry workers, National Compensation Survey,

2010—Continued

Characteristics Traditional

Traditional plan formula

Nontraditional

Non-traditional plan formula

Percent of

terminal

earnings

Percent of

career

earnings

Dollar

amount

Percent of

employer

contribution

Cash

balance

Pension

equity Other

1 to 99 workers ................................................................. 7.0 9.4 – – – 7.0 6.7 – –

1 to 49 workers ............................................................. 8.7 – – – – 8.7 8.4 – –

50 to 99 workers ........................................................... – 9.8 – – – – – – –

100 workers or more ......................................................... 3.9 3.0 – 2.0 – 3.9 4.0 1.5 –

100 to 499 workers ....................................................... 3.9 5.1 – 3.5 – 3.9 3.9 – –

500 workers or more ..................................................... 4.6 3.6 – 2.0 – 4.6 5.0 1.9 –

Geographic area

New England ..................................................................... 7.7 – 3.3 – – 7.7 11.4 – –

Middle Atlantic ................................................................... 5.0 – 3.7 – – 5.0 3.1 – –

East North Central ............................................................ 9.7 4.8 – 4.5 – 9.7 – – –

West North Central ........................................................... 3.1 4.3 – 2.8 – 3.1 2.2 – –

South Atlantic .................................................................... 5.7 4.2 – 5.5 – 5.7 5.5 – –

West South Central ........................................................... 5.7 8.5 – – – 5.7 5.3 – –

Mountain ........................................................................... 11.2 11.2 – – – 11.2 9.5 – –

Pacific ............................................................................... – 11.6 3.3 – – – – – –

1 The categories are based on the average wage for each occupation surveyed, which may

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

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

United States, 2009." See Technical Note for more details.

NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 32. Defined benefit plans: Summary of plan provisions,

private industry workers, National Compensation Survey, 2010

(All workers participating in defined benefit plans = 100 percent)

Characteristics

Benefits

subject to a

maximum

Disability

retirement

benefits

available

Worker characteristic

All workers ........................................................................ 27 58

Management, professional, and related ............................ 28 44

Management, business, and financial ........................... 34 41

Professional and related ............................................... 24 45

Service .............................................................................. 19 76

Sales and office ................................................................ 28 51

Sales and related .......................................................... – 49

Office and administrative support ................................. 31 52

Natural resources, construction, and maintenance ........... 18 81

Construction, extraction, farming, fishing, and forestry – 84

Production, transportation, and material moving .............. 32 75

Transportation and material moving ............................. 37 83

Full time ............................................................................ 27 58

Part time ............................................................................ 29 66

Union ................................................................................. 24 83

Nonunion ........................................................................... 28 45

Average wage within the following categories:1

Lowest 25 percent ......................................................... 29 67

Second 25 percent ........................................................ 30 62

Third 25 percent ............................................................ 28 65

Highest 25 percent ........................................................ 25 51

Highest 10 percent .................................................... 27 44

Establishment characteristic

Goods-producing industries .............................................. 28 69

Construction .................................................................. – 84

Manufacturing ............................................................... 32 66

Service-providing industries .............................................. 27 55

Trade, transportation, and utilities ................................. 30 73

Information .................................................................... – 49

Financial activities ......................................................... 25 44

Finance and insurance .............................................. 23 43

Credit intermediation and related activities ........... – 46

Insurance carriers and related activities ............... 46 48

Professional and business services .............................. 48 –

Education and health services ...................................... 19 54

Educational services ................................................. – 42

Junior colleges, colleges, and universities ............ – 40

Health care and social assistance ............................ 20 55

See footnotes at end of table.
Table 32. Defined benefit plans: Summary of plan provisions,

private industry workers, National Compensation Survey,

2010—Continued

(All workers participating in defined benefit plans = 100 percent)

Characteristics

Benefits

subject to a

maximum

Disability

retirement

benefits

available

1 to 99 workers ................................................................. 18 63

1 to 49 workers ............................................................. – 64

50 to 99 workers ........................................................... 28 61

100 workers or more ......................................................... 29 57

100 to 499 workers ....................................................... 32 60

500 workers or more ..................................................... 28 56

Geographic area

New England ..................................................................... 23 44

Middle Atlantic ................................................................... 21 60

East North Central ............................................................ 31 58

West North Central ........................................................... 27 62

South Atlantic .................................................................... 25 60

West South Central ........................................................... – 63

Pacific ............................................................................... – 57

1 The categories are based on the average

wage for each occupation surveyed, which may

include workers with earnings both above and

below the threshold. The average wages are

based on the estimates published in the

"National Compensation Survey: Occupational

Earnings in the United States, 2009." See

Technical Note for more details.

NOTE: Dashes indicate that no data were

reported or that data do not meet publication

criteria. For definitions of major plans, key

provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 32. Standard errors for defined benefit plans: Summary of

plan provisions, private industry workers, National

Compensation Survey, 2010

Characteristics

Benefits

subject to a

maximum

Disability

retirement

benefits

available

Worker characteristic

All workers ........................................................................ 2.7 3.0

Management, professional, and related ............................ 4.4 4.6

Management, business, and financial ........................... 5.2 4.2

Professional and related ............................................... 4.8 6.5

Service .............................................................................. 5.5 7.2

Sales and office ................................................................ 3.2 3.5

Sales and related .......................................................... – 6.9

Office and administrative support ................................. 3.4 3.4

Natural resources, construction, and maintenance ........... 4.7 4.5

Construction, extraction, farming, fishing, and forestry – 7.3

Production, transportation, and material moving .............. 4.4 3.9

Transportation and material moving ............................. 6.8 4.3

Full time ............................................................................ 2.8 3.0

Part time ............................................................................ 5.4 6.3

Union ................................................................................. 4.2 2.5

Nonunion ........................................................................... 3.6 3.9

Average wage within the following categories:1

Lowest 25 percent ......................................................... 6.7 7.8

Second 25 percent ........................................................ 4.2 5.1

Third 25 percent ............................................................ 3.3 3.9

Highest 25 percent ........................................................ 3.9 3.5

Highest 10 percent .................................................... 5.2 4.1

Establishment characteristic

Goods-producing industries .............................................. 5.3 3.8

Construction .................................................................. – 8.7

Manufacturing ............................................................... 6.3 4.9

Service-providing industries .............................................. 3.1 3.6

Trade, transportation, and utilities ................................. 4.5 5.4

Information .................................................................... – 11.6

Financial activities ......................................................... 3.5 4.3

Finance and insurance .............................................. 3.4 4.1

Credit intermediation and related activities ........... – 6.7

Insurance carriers and related activities ............... 6.9 7.4

Professional and business services .............................. 9.3 –

Education and health services ...................................... 5.0 11.4

Educational services ................................................. – 11.6

Junior colleges, colleges, and universities ............ – 8.2

Health care and social assistance ............................ 5.4 12.6

See footnotes at end of table.
Table 32. Standard errors for defined benefit plans: Summary of

plan provisions, private industry workers, National

Compensation Survey, 2010—Continued

Characteristics

Benefits

subject to a

maximum

Disability

retirement

benefits

available

1 to 99 workers ................................................................. 4.5 5.9

1 to 49 workers ............................................................. – 8.1

50 to 99 workers ........................................................... 6.6 9.2

100 workers or more ......................................................... 3.3 3.3

100 to 499 workers ....................................................... 4.8 4.0

500 workers or more ..................................................... 3.9 4.4

Geographic area

New England ..................................................................... 6.2 8.2

Middle Atlantic ................................................................... 4.3 5.2

East North Central ............................................................ 6.6 7.8

West North Central ........................................................... 5.9 10.3

South Atlantic .................................................................... 4.5 4.8

West South Central ........................................................... – 9.0

Pacific ............................................................................... – 8.6

1 The categories are based on the average

wage for each occupation surveyed, which may

include workers with earnings both above and

below the threshold. The average wages are

based on the estimates published in the

"National Compensation Survey: Occupational

Earnings in the United States, 2009." See

Technical Note for more details.

NOTE: Dashes indicate that no data were

reported or that data do not meet publication

criteria. For definitions of major plans, key

provisions, and related terms, see the "Glossary

of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 33. Defined benefit plans: Availability of selected benefit features, private industry workers, National

Compensation Survey, 2010

(In percent)

Characteristics

Lump sum at normal

retirement Disability retirement Joint-and-survivorannuity

Preretirement survivor

benefits

Traditional Nontraditional Traditional Nontraditional Traditional Nontraditional Traditional Nontraditional

Worker characteristic

All workers ........................................................................ 24 96 71 36 98 98 91 75

Management, professional, and related ............................ 16 95 54 33 100 98 90 79

Management, business, and financial ........................... 19 97 – 35 99 100 87 64

Professional and related ............................................... – 93 60 32 100 96 92 88

Service .............................................................................. – 97 85 – 100 98 94 84

Sales and office ................................................................ 38 98 67 30 100 99 94 56

Office and administrative support ................................. 34 97 68 29 100 99 93 62

Natural resources, construction, and maintenance ........... 21 – 88 – 99 – 96 –

Construction, extraction, farming, fishing, and forestry – – 92 – 100 – 96 –

Production, transportation, and material moving .............. 20 – 79 – 95 – 86 –

Transportation and material moving ............................. 24 – 83 – 96 – 91 –

Full time ............................................................................ 22 95 70 37 98 98 90 75

Part time ............................................................................ 39 100 79 – 98 95 96 72

Union ................................................................................. 22 97 90 48 99 99 97 92

Nonunion ........................................................................... 25 96 55 33 98 98 86 72

Average wage within the following categories:1

Lowest 25 percent ......................................................... 49 – 77 – 97 – 95 –

Second 25 percent ........................................................ 21 98 74 37 97 99 87 70

Third 25 percent ............................................................ 29 99 75 41 97 99 91 76

Highest 25 percent ........................................................ 16 93 65 33 100 98 91 77

Highest 10 percent .................................................... – 93 52 34 100 97 89 78

Establishment characteristic

Goods-producing industries .............................................. 20 – 77 – 97 – 86 –

Manufacturing ............................................................... – – 75 – 97 – 83 –

Service-providing industries .............................................. 25 98 68 35 99 98 93 72

Trade, transportation, and utilities ................................. 34 – 80 – 97 – 96 –

Financial activities ......................................................... 28 – 63 – 100 – 94 –

Finance and insurance .............................................. 30 – 61 – 100 – 93 –

Education and health services ...................................... – 97 71 – 100 94 91 89

Health care and social assistance ............................ – 97 76 – 100 94 91 90

See footnotes at end of table.
Table 33. Defined benefit plans: Availability of selected benefit features, private industry workers, National

Compensation Survey, 2010—Continued

(In percent)

Characteristics

Lump sum at normal

retirement Disability retirement Joint-and-survivorannuity

Preretirement survivor

benefits

Traditional Nontraditional Traditional Nontraditional Traditional Nontraditional Traditional Nontraditional

1 to 99 workers ................................................................. 37 – 72 – 96 – 93 –

1 to 49 workers ............................................................. – – 80 – 100 – 100 –

50 to 99 workers ........................................................... 30 – – – 89 – 82 –

100 workers or more ......................................................... 20 96 71 34 99 98 90 78

100 to 499 workers ....................................................... 26 100 67 35 98 100 89 64

500 workers or more ..................................................... 16 95 73 34 100 97 91 82

Geographic area

New England ..................................................................... – – – – 100 – 80 –

Middle Atlantic ................................................................... 10 99 64 52 100 99 87 77

East North Central ............................................................ 24 100 80 – 98 99 90 81

West North Central ........................................................... 33 – 77 – 96 – 90 –

South Atlantic .................................................................... – 88 70 42 100 100 85 73

West South Central ........................................................... – – 69 – 99 – 99 –

Mountain ........................................................................... – – 65 – 94 – 90 –

Pacific ............................................................................... – – 73 – 100 – 99 –

1 The categories are based on the average wage for each occupation surveyed,

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

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

Survey: Occupational Earnings in the United States, 2009." See Technical Note for more

details.

NOTE: Dashes indicate that no data were reported or that data do not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 33. Standard errors for defined benefit plans: Availability of selected benefit features, private industry

workers, National Compensation Survey, 2010

Characteristics

Lump sum at normal

retirement Disability retirement Joint-and-survivorannuity

Preretirement survivor

benefits

Traditional Nontraditional Traditional Nontraditional Traditional Nontraditional Traditional Nontraditional

Worker characteristic

All workers ........................................................................ 3.7 1.8 3.0 5.0 0.7 0.7 1.9 3.9

Management, professional, and related ............................ 4.1 2.5 6.1 6.6 0.3 1.3 3.8 4.3

Management, business, and financial ........................... 5.0 1.8 – 4.5 0.4 0.0 6.6 5.0

Professional and related ............................................... – 3.6 6.0 9.0 0.4 2.1 3.4 3.7

Service .............................................................................. – 2.7 5.4 – 0.0 1.3 3.1 7.0

Sales and office ................................................................ 4.8 1.0 4.4 4.8 0.2 0.3 1.6 6.1

Office and administrative support ................................. 5.5 1.3 4.1 5.0 0.2 0.4 2.0 5.9

Natural resources, construction, and maintenance ........... 4.6 – 3.7 – 0.8 – 2.2 –

Construction, extraction, farming, fishing, and forestry – – 4.9 – 0.0 – 3.6 –

Production, transportation, and material moving .............. 4.4 – 4.0 – 2.2 – 3.6 –

Transportation and material moving ............................. 5.7 – 4.4 – 3.0 – 3.3 –

Full time ............................................................................ 3.9 1.9 3.5 4.9 0.8 0.7 2.1 3.8

Part time ............................................................................ 6.2 0.0 5.4 – 1.4 3.3 2.1 9.9

Union ................................................................................. 3.5 2.4 2.0 10.0 0.7 0.6 1.1 4.7

Nonunion ........................................................................... 5.6 1.9 4.8 5.5 1.3 0.9 2.9 4.6

Average wage within the following categories:1

Lowest 25 percent ......................................................... 7.3 – 7.1 – 2.0 – 2.5 –

Second 25 percent ........................................................ 4.6 1.9 4.3 8.6 2.3 0.5 3.8 7.4

Third 25 percent ............................................................ 8.0 0.4 4.7 5.2 1.5 0.6 2.6 4.1

Highest 25 percent ........................................................ 3.5 3.0 4.9 5.5 0.2 1.2 2.7 3.9

Highest 10 percent .................................................... – 3.2 6.5 6.4 0.4 2.1 4.3 3.9

Establishment characteristic

Goods-producing industries .............................................. 4.5 – 4.2 – 1.9 – 3.7 –

Manufacturing ............................................................... – – 5.3 – 2.4 – 4.6 –

Service-providing industries .............................................. 4.5 1.6 3.8 5.5 0.7 0.9 2.0 4.8

Trade, transportation, and utilities ................................. 5.1 – 4.6 – 2.0 – 2.0 –

Financial activities ......................................................... 7.1 – 5.7 – 0.0 – 3.5 –

Finance and insurance .............................................. 7.3 – 6.0 – 0.0 – 3.7 –

Education and health services ...................................... – 2.5 6.5 – 0.0 4.0 3.9 6.0

Health care and social assistance ............................ – 2.6 7.6 – 0.0 4.1 4.4 5.7

See footnotes at end of table.
Table 33. Standard errors for defined benefit plans: Availability of selected benefit features, private industry

workers, National Compensation Survey, 2010—Continued

Characteristics

Lump sum at normal

retirement Disability retirement Joint-and-survivorannuity

Preretirement survivor

benefits

Traditional Nontraditional Traditional Nontraditional Traditional Nontraditional Traditional Nontraditional

1 to 99 workers ................................................................. 11.0 – 6.3 – 2.6 – 3.3 –

1 to 49 workers ............................................................. – – 7.2 – 0.0 – 0.2 –

50 to 99 workers ........................................................... 6.7 – – – 6.2 – 7.7 –

100 workers or more ......................................................... 3.0 1.6 3.3 5.5 0.7 0.9 2.0 4.1

100 to 499 workers ....................................................... 5.5 0.0 6.0 8.6 1.6 0.4 3.9 8.0

500 workers or more ..................................................... 2.9 2.2 3.4 6.5 0.2 1.2 2.3 4.2

Geographic area

New England ..................................................................... – – – – 0.0 – 12.2 –

Middle Atlantic ................................................................... 1.9 0.4 5.7 6.0 0.0 0.4 3.9 4.5

East North Central ............................................................ 5.2 0.1 4.4 – 1.7 0.8 3.9 8.5

West North Central ........................................................... 8.7 – 12.5 – 4.0 – 8.9 –

South Atlantic .................................................................... – 8.9 6.6 7.8 0.0 0.0 6.1 6.4

West South Central ........................................................... – – 8.4 – 0.8 – 0.8 –

Mountain ........................................................................... – – 11.4 – 4.6 – 6.9 –

Pacific ............................................................................... – – 11.1 – 0.1 – 0.4 –

1 The categories are based on the average wage for each occupation surveyed,

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

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

Survey: Occupational Earnings in the United States, 2009." See Technical Note for more

details.

NOTE: Dashes indicate that no data were reported or that data do not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 34. Defined benefit plans: Maximum benefit provisions, private industry workers, National Compensation Survey, 2010

(All workers participating in defined benefit plans = 100 percent)

Characteristics Total

Subject to

maximum

years of

credited

service

Maximum years of credited service Not subject to

maximum

years of

credited

service

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 100 27 30 30 35 35 40 72 1

Management, professional, and related ............................ 100 28 30 30 35 35 40 72 1

Management, business, and financial ........................... 100 34 30 30 35 35 40 66 1

Professional and related ............................................... 100 24 30 30 35 35 40 75 1

Service .............................................................................. 100 19 30 35 35 40 40 81 1 ( )

Sales and office ................................................................ 100 28 30 30 35 40 45 71 1

Sales and related .......................................................... 100 – – – – – – 86 –

Office and administrative support ................................. 100 31 30 30 35 40 45 67 2

Natural resources, construction, and maintenance ........... 100 18 25 30 30 35 35 81 1

Construction, extraction, farming, fishing, and forestry 100 – – – – – – 78 –

Production, transportation, and material moving .............. 100 32 25 30 30 35 35 68 –

Transportation and material moving ............................. 100 37 30 30 35 35 35 63 –

Full time ............................................................................ 100 27 30 30 35 35 40 73 1

Part time ............................................................................ 100 29 30 35 40 45 45 71 1

Union ................................................................................. 100 24 30 30 35 40 45 75 1 ( )

Nonunion ........................................................................... 100 28 28 30 35 35 40 71 1

Average wage within the following categories:2

Lowest 25 percent ......................................................... 100 29 30 30 40 45 45 71 –

Second 25 percent ........................................................ 100 30 25 30 35 35 35 70 1 ( )

Third 25 percent ............................................................ 100 28 30 30 35 35 40 72 1

Highest 25 percent ........................................................ 100 25 30 30 35 35 40 74 1

Highest 10 percent .................................................... 100 27 30 30 35 35 40 72 1

Establishment characteristic

Goods-producing industries .............................................. 100 28 25 30 30 35 35 72 1

Construction .................................................................. 100 – – – – – – 88 –

Manufacturing ............................................................... 100 32 25 30 30 35 35 68 –

Service-providing industries .............................................. 100 27 30 30 35 35 40 73 1

Trade, transportation, and utilities ................................. 100 30 30 30 35 40 45 70 –

Information .................................................................... 100 – – – – – – 87 –

Financial activities ......................................................... 100 25 30 30 35 40 44 73 2

Finance and insurance .............................................. 100 23 28 30 35 40 44 75 2

Credit intermediation and related activities ........... 100 – – – – – – 91 –

Insurance carriers and related activities ............... 100 46 30 30 35 40 40 46 7

Professional and business services .............................. 100 48 30 30 35 35 35 52 –

Education and health services ...................................... 100 19 30 35 35 35 35 80 1

Educational services ................................................. 100 – – – – – – 92 –

Junior colleges, colleges, and universities ............ 100 – – – – – – 96 –

Health care and social assistance ............................ 100 20 30 35 35 35 35 79 1

See footnotes at end of table.
Table 34. Defined benefit plans: Maximum benefit provisions, private industry workers, National Compensation Survey,

2010—Continued

(All workers participating in defined benefit plans = 100 percent)

Characteristics Total

Subject to

maximum

years of

credited

service

Maximum years of credited service Not subject to

maximum

years of

credited

service

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 100 18 28 30 34 35 45 81 1

1 to 49 workers ............................................................. 100 – – – – – – 87 –

50 to 99 workers ........................................................... 100 28 25 30 35 35 45 71 2

100 workers or more ......................................................... 100 29 30 30 35 35 40 70 1

100 to 499 workers ....................................................... 100 32 30 30 35 35 45 68 –

500 workers or more ..................................................... 100 28 30 30 35 35 40 71 1

Geographic area

New England ..................................................................... 100 23 25 25 30 30 40 75 2

Middle Atlantic ................................................................... 100 21 30 30 30 35 40 76 2

East North Central ............................................................ 100 31 30 30 35 35 45 69 1 ( )

West North Central ........................................................... 100 27 25 30 35 35 40 73 1 ( )

South Atlantic .................................................................... 100 25 25 30 35 35 40 75 –

West South Central ........................................................... 100 – – – – – – 65 –

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

Pacific ............................................................................... 100 – – – – – – 73 –

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

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

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

2009." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data

were reported or that data do not meet publication criteria. For definitions of major plans, key provisions,

and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 34. Standard errors for defined benefit plans: Maximum benefit provisions, private industry workers, National

Compensation Survey, 2010

Characteristics

Subject to

maximum

years of

credited

service

Maximum years of credited service Not subject to

maximum

years of

credited

service

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristic

All workers ........................................................................ 2.7 0.0 0.0 0.2 0.0 0.0 2.7 0.3

Management, professional, and related ............................ 4.4 0.0 0.0 0.0 0.0 0.0 4.5 0.4

Management, business, and financial ........................... 5.2 0.0 0.0 0.6 0.0 0.0 5.3 0.5

Professional and related ............................................... 4.8 0.0 0.0 0.0 0.0 1.7 4.9 0.3

Service .............................................................................. 5.5 6.4 0.0 0.0 0.0 6.1 5.5 0.1

Sales and office ................................................................ 3.2 0.0 0.0 0.0 5.7 0.0 3.2 0.6

Sales and related .......................................................... – – – – – – 5.6 –

Office and administrative support ................................. 3.4 1.2 0.0 0.0 5.1 0.0 3.5 0.8

Natural resources, construction, and maintenance ........... 4.7 7.3 4.0 0.0 5.5 0.0 4.9 1.4

Construction, extraction, farming, fishing, and forestry – – – – – – 8.1 –

Production, transportation, and material moving .............. 4.4 5.5 0.0 4.0 0.0 0.0 4.4 –

Transportation and material moving ............................. 6.8 0.0 1.4 0.0 0.0 2.6 6.8 –

Full time ............................................................................ 2.8 0.6 0.0 1.1 0.0 1.7 2.8 0.4

Part time ............................................................................ 5.4 4.8 0.0 7.3 0.0 0.0 5.4 0.4

Union ................................................................................. 4.2 0.0 0.0 0.0 4.8 1.7 4.2 0.3

Nonunion ........................................................................... 3.6 3.4 0.0 1.1 0.0 4.2 3.6 0.4

Average wage within the following categories:1

Lowest 25 percent ......................................................... 6.7 0.0 6.7 6.7 0.0 0.0 6.7 –

Second 25 percent ........................................................ 4.2 7.1 0.0 0.0 0.0 9.5 4.2 0.2

Third 25 percent ............................................................ 3.3 3.2 0.0 4.3 0.0 3.5 3.3 0.4

Highest 25 percent ........................................................ 3.9 0.0 0.0 1.1 0.0 0.0 3.9 0.5

Highest 10 percent .................................................... 5.2 0.0 0.0 0.8 0.0 1.4 5.3 0.7

Establishment characteristic

Goods-producing industries .............................................. 5.3 0.0 3.4 0.0 2.2 0.0 5.3 0.5

Construction .................................................................. – – – – – – 6.0 –

Manufacturing ............................................................... 6.3 1.4 0.0 0.0 2.2 0.0 6.3 –

Service-providing industries .............................................. 3.1 0.0 0.0 0.0 1.7 5.1 3.1 0.3

Trade, transportation, and utilities ................................. 4.5 0.0 3.3 0.0 5.9 0.0 4.5 –

Information .................................................................... – – – – – – 7.0 –

Financial activities ......................................................... 3.5 2.5 0.0 0.0 1.0 5.8 3.5 1.4

Finance and insurance .............................................. 3.4 2.6 1.4 0.0 2.4 4.7 3.7 1.4

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

Insurance carriers and related activities ............... 6.9 2.3 3.3 1.7 1.7 6.5 7.7 4.2

Professional and business services .............................. 9.3 0.0 3.4 1.2 0.0 7.3 9.3 –

Education and health services ...................................... 5.0 0.0 7.4 0.0 0.0 0.0 5.2 0.5

Educational services ................................................. – – – – – – 6.4 –

Junior colleges, colleges, and universities ............ – – – – – – 3.7 –

Health care and social assistance ............................ 5.4 0.0 6.6 0.0 0.0 0.0 5.6 0.5

See footnotes at end of table.
Table 34. Standard errors for defined benefit plans: Maximum benefit provisions, private industry workers, National

Compensation Survey, 2010—Continued

Characteristics

Subject to

maximum

years of

credited

service

Maximum years of credited service Not subject to

maximum

years of

credited

service

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ................................................................. 4.5 3.2 1.6 1.3 0.0 9.5 4.5 0.6

1 to 49 workers ............................................................. – – – – – – 5.2 –

50 to 99 workers ........................................................... 6.6 6.5 2.0 2.2 0.0 14.1 6.7 1.7

100 workers or more ......................................................... 3.3 0.0 0.0 1.0 0.0 0.0 3.3 0.3

100 to 499 workers ....................................................... 4.8 0.0 0.0 2.6 1.0 3.5 4.8 –

500 workers or more ..................................................... 3.9 3.7 0.0 0.0 0.0 0.0 3.9 0.5

Geographic area

New England ..................................................................... 6.2 0.0 4.2 1.8 0.0 5.0 7.3 2.3

Middle Atlantic ................................................................... 4.3 2.5 0.0 5.2 0.0 5.0 4.4 1.6

East North Central ............................................................ 6.6 0.0 0.0 0.8 3.1 2.2 6.6 0.3

West North Central ........................................................... 5.9 7.1 7.1 0.0 8.0 7.1 5.9 0.1

South Atlantic .................................................................... 4.5 6.3 5.3 0.0 0.0 1.0 4.5 –

West South Central ........................................................... – – – – – – 12.3 –

Mountain ........................................................................... – – – – – – 11.0 –

Pacific ............................................................................... – – – – – – 10.2 –

1 The categories are based on the average wage for each occupation surveyed, which may

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

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

United States, 2009." See Technical Note for more details.

NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 35. Defined benefit plans: Vesting requirements, private industry workers, National Compensation Survey, 2010

(All workers participating in defined benefit plans = 100 percent)

Characteristics Total Immediate

full vesting Cliff vesting1

Years required for cliff

vesting Graded

vesting2

Not

determinable

Mean Median

Worker characteristic

All workers ........................................................................ 100 5 81 5 5 – –

Management, professional, and related ............................ 100 9 75 5 5 – –

Management, business, and financial ........................... 100 10 79 4 5 – –

Professional and related ............................................... 100 8 73 5 5 – –

Service .............................................................................. 100 – 73 5 5 – 1

Sales and office ................................................................ 100 – 87 5 5 – 4

Sales and related .......................................................... 100 – 93 4 5 – 3

Office and administrative support ................................. 100 – 85 5 5 – 4

Natural resources, construction, and maintenance ........... 100 – 90 5 5 – 1

Construction, extraction, farming, fishing, and forestry 100 – 92 5 5 – –

Production, transportation, and material moving .............. 100 – 86 5 5 – 4

Transportation and material moving ............................. 100 – 91 5 5 – 1

Full time ............................................................................ 100 6 80 5 5 – –

Part time ............................................................................ 100 – 89 5 5 – 1

Union ................................................................................. 100 – 91 5 5 5 –

Nonunion ........................................................................... 100 6 76 5 5 – –

Average wage within the following categories:3

Lowest 25 percent ......................................................... 100 – 86 5 5 – 4 ( )

Second 25 percent ........................................................ 100 – 84 5 5 – 5

Third 25 percent ............................................................ 100 – 81 5 5 – 3

Highest 25 percent ........................................................ 100 7 79 5 5 – –

Highest 10 percent .................................................... 100 11 76 5 5 – –

Establishment characteristic

Goods-producing industries .............................................. 100 – 84 5 5 – 5

Construction .................................................................. 100 – 94 5 5 – –

Manufacturing ............................................................... 100 – 81 5 5 – 7

Service-providing industries .............................................. 100 5 80 5 5 – –

Trade, transportation, and utilities ................................. 100 – 88 5 5 – 2

Information .................................................................... 100 – 82 5 5 – 7

Financial activities ......................................................... 100 – 94 4 5 – 3

Finance and insurance .............................................. 100 – 95 4 5 – 3

Credit intermediation and related activities ........... 100 – 96 4 – – –

Insurance carriers and related activities ............... 100 – 91 4 5 – 9

Professional and business services .............................. 100 – 70 5 5 – 12

Education and health services ...................................... 100 – 65 5 5 – 4 ( )

Educational services ................................................. 100 – 98 5 5 – 1

Junior colleges, colleges, and universities ............ 100 – 97 5 5 – 1

Health care and social assistance ............................ 100 – 62 5 5 – –

See footnotes at end of table.
Table 35. Defined benefit plans: Vesting requirements, private industry workers, National Compensation Survey,

2010—Continued

(All workers participating in defined benefit plans = 100 percent)

Characteristics Total Immediate

full vesting Cliff vesting1

Years required for cliff

vesting Graded

vesting2

Not

determinable

Mean Median

1 to 99 workers ................................................................. 100 – 82 5 5 – –

1 to 49 workers ............................................................. 100 – 77 4 5 – –

50 to 99 workers ........................................................... 100 – 91 5 5 – –

100 workers or more ......................................................... 100 6 81 5 5 – –

100 to 499 workers ....................................................... 100 – 86 5 5 – 7

500 workers or more ..................................................... 100 7 79 5 5 – –

Geographic area

New England ..................................................................... 100 – 72 5 5 – 11

Middle Atlantic ................................................................... 100 – 94 5 5 – 3

East North Central ............................................................ 100 – 67 5 5 – 5

West North Central ........................................................... 100 – 90 5 5 – 4

South Atlantic .................................................................... 100 – 86 5 5 – 6

West South Central ........................................................... 100 – 91 5 5 – 4 ( )

Mountain ........................................................................... 100 – 91 4 5 – 3

Pacific ............................................................................... 100 – 75 5 5 – 4 ( )

1 An employee is not entitled to any accrued benefits until satisfying the requirement for

100 percent vesting. 2 An employee is entitled to a gradually increasing share of benefits determined by years

of service, eventually reaching 100 percent vesting status. 3 The categories are based on the average wage for each occupation surveyed, which

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

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

Earnings in the United States, 2009." See Technical Note for more details. 4 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/glossary20102011.htm.
Table 35. Standard errors for defined benefit plans: Vesting requirements, private industry workers, National

Compensation Survey, 2010

Characteristics Immediate

full vesting Cliff vesting1

Years required for cliff

vesting Graded

vesting2

Not

determinable

Mean Median

Worker characteristic

All workers ........................................................................ 1.2 3.5 3 ( ) 0.0 – –

Management, professional, and related ............................ 2.3 5.9 0.1 0.0 – –

Management, business, and financial ........................... 2.8 3.4 0.1 0.0 – –

Professional and related ............................................... 2.4 8.8 0.1 0.0 – –

Service .............................................................................. – 13.3 3 ( ) 0.0 – 0.6

Sales and office ................................................................ – 3.5 0.1 0.0 – 1.4

Sales and related .......................................................... – 3.1 0.2 0.0 – 2.4

Office and administrative support ................................. – 4.3 0.1 0.0 – 1.4

Natural resources, construction, and maintenance ........... – 3.1 3 ( ) 0.0 – 0.9

Construction, extraction, farming, fishing, and forestry – 5.5 3 ( ) 0.0 – –

Production, transportation, and material moving .............. – 3.6 3 ( ) 0.0 – 1.8

Transportation and material moving ............................. – 4.2 3 ( ) 0.0 – 0.8

Full time ............................................................................ 1.4 3.4 3 ( ) 0.0 – –

Part time ............................................................................ – 5.9 3 ( ) 0.0 – 1.0

Union ................................................................................. – 1.7 3 ( ) 0.0 1.4 –

Nonunion ........................................................................... 1.7 5.0 0.1 0.0 – –

Average wage within the following categories:4

Lowest 25 percent ......................................................... – 6.8 0.1 0.0 – 0.1

Second 25 percent ........................................................ – 5.9 3 ( ) 0.0 – 2.0

Third 25 percent ............................................................ – 6.5 3 ( ) 0.0 – 1.0

Highest 25 percent ........................................................ 1.9 3.8 0.1 0.0 – –

Highest 10 percent .................................................... 3.1 4.4 0.1 0.0 – –

Establishment characteristic

Goods-producing industries .............................................. – 4.3 3 ( ) 0.0 – 2.1

Construction .................................................................. – 6.1 3 ( ) 0.0 – –

Manufacturing ............................................................... – 5.4 0.1 0.0 – 2.6

Service-providing industries .............................................. 1.4 4.6 3 ( ) 0.0 – –

Trade, transportation, and utilities ................................. – 3.8 3 ( ) 0.0 – 1.2

Information .................................................................... – 6.4 3 ( ) 0.0 – 5.3

Financial activities ......................................................... – 1.8 0.1 0.0 – 1.5

Finance and insurance .............................................. – 1.8 0.1 0.0 – 1.5

Credit intermediation and related activities ........... – 2.2 0.1 – – –

Insurance carriers and related activities ............... – 4.5 0.1 0.0 – 4.5

Professional and business services .............................. – 8.1 0.1 0.0 – 5.9

Education and health services ...................................... – 14.5 0.1 0.0 – 3 ( )

Educational services ................................................. – 0.9 0.1 0.0 – 0.5

Junior colleges, colleges, and universities ............ – 1.7 0.1 0.0 – 0.9

Health care and social assistance ............................ – 15.4 0.1 0.0 – –

See footnotes at end of table.
Table 35. Standard errors for defined benefit plans: Vesting requirements, private industry workers, National

Compensation Survey, 2010—Continued

Characteristics Immediate

full vesting Cliff vesting1

Years required for cliff

vesting Graded

vesting2

Not

determinable

Mean Median

1 to 99 workers ................................................................. – 9.7 0.1 0.0 – –

1 to 49 workers ............................................................. – 13.8 0.1 0.0 – –

50 to 99 workers ........................................................... – 3.9 3 ( ) 0.0 – –

100 workers or more ......................................................... 1.4 4.1 3 ( ) 0.0 – –

100 to 499 workers ....................................................... – 3.3 3 ( ) 0.0 – 2.4

500 workers or more ..................................................... 1.8 5.7 3 ( ) 0.0 – –

Geographic area

New England ..................................................................... – 9.3 0.2 0.0 – 7.8

Middle Atlantic ................................................................... – 1.7 3 ( ) 0.0 – 1.4

East North Central ............................................................ – 9.4 3 ( ) 0.0 – 1.3

West North Central ........................................................... – 3.7 0.1 0.0 – 3.3

South Atlantic .................................................................... – 5.3 0.1 0.0 – 4.6

West South Central ........................................................... – 4.2 0.1 0.0 – 3 ( )

Mountain ........................................................................... – 2.5 0.2 0.0 – 2.4

Pacific ............................................................................... – 8.9 0.2 0.0 – 0.3

1 An employee is not entitled to any accrued benefits until satisfying the

requirement for 100 percent vesting. 2 An employee is entitled to a gradually increasing share of benefits determined

by years of service, eventually reaching 100 percent vesting status. 3 Less than 0.05. 4 The categories are based on the average wage for each occupation surveyed,

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

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

Survey: Occupational Earnings in the United States, 2009." See Technical Note for

more details.

NOTE: Dashes indicate that no data were reported or that data do not meet

publication criteria. For definitions of major plans, key provisions, and related terms,

see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 36. Traditional defined benefit plans: Terminal earnings formulas, private industry workers, National Compensation Survey, 2010

(All workers participating in traditional defined benefit plans with a terminal earnings formula = 100 percent)

Characteristics Total

Flat

percent

per year

of service

Flat percent per year of service

Percent

per year

varies

Percent per year varies by

Other 10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile Service Earnings

Earnings

and

service

Worker characteristic

All workers ........................................................................ 100 57 1.00 1.33 1.60 1.70 1.76 37 15 14 8 6

Management, professional, and related ............................ 100 56 1.00 1.50 1.50 1.60 1.80 – – 15 – –

Management, business, and financial ........................... 100 50 0.90 1.50 1.50 1.60 1.80 – – – – –

Professional and related ............................................... 100 59 1.00 1.25 1.50 1.60 1.76 – – 20 – –

Service .............................................................................. 100 82 1.25 1.60 1.70 1.70 1.76 – – – – –

Sales and office ................................................................ 100 – – – – – – 54 – – 23 –

Office and administrative support ................................. 100 50 1.00 1.25 1.50 1.70 1.75 – – 18 18 –

Production, transportation, and material moving .............. 100 48 1.00 1.10 1.33 1.60 1.70 – – – – –

Full time ............................................................................ 100 59 1.00 1.33 1.60 1.70 1.76 35 16 14 6 6

Part time ............................................................................ 100 – – – – – – 65 – 19 – –

Union ................................................................................. 100 59 1.25 1.60 1.67 1.76 1.76 – – – – –

Nonunion ........................................................................... 100 56 1.00 1.25 1.50 1.70 1.75 – 16 15 – –

Average wage within the following categories:1

Second 25 percent ........................................................ 100 45 1.00 1.25 1.33 1.76 1.76 – – 17 – –

Third 25 percent ............................................................ 100 64 1.00 1.25 1.67 1.70 1.76 – – – – –

Highest 25 percent ........................................................ 100 59 1.00 1.50 1.60 1.67 1.75 – 24 11 – –

Highest 10 percent .................................................... 100 56 1.25 1.50 1.50 1.60 1.70 – – – – –

Establishment characteristic

Goods-producing industries .............................................. 100 54 1.10 1.33 1.33 1.60 1.60 – – – – –

Service-providing industries .............................................. 100 58 1.00 1.35 1.60 1.70 1.76 – – 15 10 –

Trade, transportation, and utilities ................................. 100 58 1.00 1.50 1.67 1.75 1.76 – – – – –

Financial activities ......................................................... 100 – – – – – – 53 – – 26 –

Finance and insurance .............................................. 100 – – – – – – 57 – – 29 –

Education and health services ...................................... 100 66 1.00 1.25 1.70 1.70 1.76 – – – – –

Health care and social assistance ............................ 100 65 1.00 1.25 1.70 1.70 1.75 – – – – –

100 workers or more ......................................................... 100 55 1.00 1.25 1.50 1.67 1.76 38 18 15 5 7

100 to 499 workers ....................................................... 100 – – – – – – 50 – – – –

500 workers or more ..................................................... 100 62 1.00 1.33 1.50 1.67 1.80 31 – 17 – 7

Geographic area

Middle Atlantic ................................................................... 100 66 1.25 1.25 1.50 1.76 1.85 – – – – –

East North Central ............................................................ 100 – – – – – – 49 – 31 – –

West North Central ........................................................... 100 56 0.70 0.90 1.33 1.50 1.75 – – – – –

South Atlantic .................................................................... 100 – – – – – – 51 – – – –

Pacific ............................................................................... 100 62 1.35 1.70 1.70 1.70 1.70 – – – – –

1 The categories are based on the average wage for each occupation surveyed, which may include

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

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

2009." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data

were reported or that data do not meet publication criteria. For definitions of major plans, key provisions,

and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 36. Standard errors for traditional defined benefit plans: Terminal earnings formulas, private industry workers, National

Compensation Survey, 2010

Characteristics

Flat

percent

per year

of service

Flat percent per year of service

Percent

per year

varies

Percent per year varies by

Other 10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile Service Earnings

Earnings

and

service

Worker characteristic

All workers ........................................................................ 4.3 0.09 0.09 0.11 0.01 1 ( ) 3.9 3.7 2.7 1.7 1.7

Management, professional, and related ............................ 6.1 0.09 0.20 0.06 0.06 0.10 – – 3.6 – –

Management, business, and financial ........................... 10.0 0.28 0.00 0.03 0.06 0.22 – – – – –

Professional and related ............................................... 5.3 0.05 0.24 0.11 0.07 0.15 – – 4.9 – –

Service .............................................................................. 8.4 0.12 0.20 0.01 0.08 0.00 – – – – –

Sales and office ................................................................ – – – – – – 6.7 – – 5.5 –

Office and administrative support ................................. 7.6 0.20 0.07 0.13 0.02 0.06 – – 5.3 4.7 –

Production, transportation, and material moving .............. 8.5 0.14 0.09 0.04 0.28 0.04 – – – – –

Full time ............................................................................ 4.6 0.07 0.10 0.12 0.01 0.01 4.2 4.0 2.8 1.4 1.7

Part time ............................................................................ – – – – – – 8.6 – 5.1 – –

Union ................................................................................. 5.8 0.00 0.05 0.01 1 ( ) 0.13 – – – – –

Nonunion ........................................................................... 5.8 0.04 0.11 0.07 0.05 0.06 – 4.7 3.1 – –

Average wage within the following categories:2

Second 25 percent ........................................................ 10.6 0.07 0.07 0.23 0.00 0.02 – – 5.0 – –

Third 25 percent ............................................................ 8.7 0.10 0.21 0.14 0.00 0.07 – – – – –

Highest 25 percent ........................................................ 6.3 0.24 0.08 0.15 0.02 0.03 – 6.9 3.0 – –

Highest 10 percent .................................................... 9.0 0.06 0.10 0.08 0.00 0.04 – – – – –

Establishment characteristic

Goods-producing industries .............................................. 8.2 0.00 0.16 0.16 0.03 0.00 – – – – –

Service-providing industries .............................................. 5.3 0.07 0.23 0.11 0.01 0.04 – – 3.0 2.2 –

Trade, transportation, and utilities ................................. 8.1 0.25 0.29 0.03 0.04 0.00 – – – – –

Financial activities ......................................................... – – – – – – 7.2 – – 7.4 –

Finance and insurance .............................................. – – – – – – 8.7 – – 8.2 –

Education and health services ...................................... 10.8 0.06 0.22 0.21 0.00 0.11 – – – – –

Health care and social assistance ............................ 11.4 0.09 0.27 0.36 0.00 0.08 – – – – –

100 workers or more ......................................................... 3.9 0.07 0.05 0.00 0.09 0.06 4.0 4.4 2.8 1.2 2.0

100 to 499 workers ....................................................... – – – – – – 9.2 – – – –

500 workers or more ..................................................... 4.0 0.11 0.10 0.10 0.08 0.07 3.9 – 3.7 – 1.7

Geographic area

Middle Atlantic ................................................................... 4.6 0.00 0.00 0.25 0.00 0.06 – – – – –

East North Central ............................................................ – – – – – – 6.3 – 5.6 – –

West North Central ........................................................... 7.4 0.35 0.04 0.33 0.21 0.08 – – – – –

South Atlantic .................................................................... – – – – – – 6.1 – – – –

Pacific ............................................................................... 17.1 0.38 0.19 0.00 0.00 0.00 – – – – –

1 Less than 0.005. 2 The categories are based on the average wage for each occupation surveyed, which may

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

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

States, 2009." See Technical Note for more details.

NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit

Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 37. Traditional defined benefit plans: Definition of terminal earnings, private industry workers, National Compensation Survey,

2010

(All workers participating in traditional defined benefit plans with a terminal earnings formula = 100 percent)

Characteristics Total

Three years Five years

Other period Not

determinable Total High three

High

consecutive

three

Total High five

High

consecutive

five

Worker characteristic

All workers ........................................................................ 100 13 11 – 81 26 53 6 1 ( )

Management, professional, and related ............................ 100 – – – 82 18 61 – 1 ( )

Management, business, and financial ........................... 100 – – – 81 – 64 – –

Professional and related ............................................... 100 – – – 82 23 59 – 1 ( )

Service .............................................................................. 100 – – – 91 64 – – 1 ( )

Sales and office ................................................................ 100 – – – 78 – 57 – 1 ( )

Office and administrative support ................................. 100 – – – 77 – 52 – 1 ( )

Production, transportation, and material moving .............. 100 – – – 77 – 58 – –

Full time ............................................................................ 100 14 12 – 80 27 51 6 1 ( )

Part time ............................................................................ 100 – – – 89 – 72 – 1 ( )

Union ................................................................................. 100 – – – 76 30 46 – –

Nonunion ........................................................................... 100 14 11 – 82 25 55 4 1 ( )

Average wage within the following categories:2

Second 25 percent ........................................................ 100 – – – 87 38 48 – 1 ( )

Third 25 percent ............................................................ 100 – – – 82 – 46 – 1 ( )

Highest 25 percent ........................................................ 100 – – – 77 16 59 7 –

Highest 10 percent .................................................... 100 – – – 77 – 60 – –

Establishment characteristic

Goods-producing industries .............................................. 100 32 27 – 66 – 43 – –

Service-providing industries .............................................. 100 – – – 84 27 55 8 –

Trade, transportation, and utilities ................................. 100 – – – 72 – 48 – –

Financial activities ......................................................... 100 – – – 90 – 64 – –

Finance and insurance .............................................. 100 – – – 89 – 63 – –

Education and health services ...................................... 100 – – – 94 – 49 – 1

Health care and social assistance ............................ 100 – – – 99 – – – 1

100 workers or more ......................................................... 100 14 12 – 78 19 58 8 1 ( )

100 to 499 workers ....................................................... 100 – – – 80 – 59 10 –

500 workers or more ..................................................... 100 – – – 77 18 57 – 1 ( )

Geographic area

Middle Atlantic ................................................................... 100 – – – 85 – 58 – –

East North Central ............................................................ 100 – – – 78 23 52 – 1

West North Central ........................................................... 100 – – – 94 – 60 – 1 ( )

South Atlantic .................................................................... 100 – – – 84 – 65 – –

Pacific ............................................................................... 100 – – – 93 – – – –

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

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

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

2009." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data

were reported or that data do not meet publication criteria. For definitions of major plans, key provisions,

and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 37. Standard errors for traditional defined benefit plans: Definition of terminal earnings, private industry workers,

National Compensation Survey, 2010

Characteristics

Three years Five years

Other period Not

determinable Total High three

High

consecutive

three

Total High five

High

consecutive

five

Worker characteristic

All workers ........................................................................ 3.2 2.8 – 3.5 6.4 4.9 1.5 0.2

Management, professional, and related ............................ – – – 5.3 4.3 7.0 – 0.3

Management, business, and financial ........................... – – – 6.5 – 8.3 – –

Professional and related ............................................... – – – 5.8 5.1 8.2 – 0.4

Service .............................................................................. – – – 4.3 14.4 – – 0.4

Sales and office ................................................................ – – – 6.5 – 7.4 – 0.2

Office and administrative support ................................. – – – 7.3 – 7.8 – 0.2

Production, transportation, and material moving .............. – – – 6.0 – 8.1 – –

Full time ............................................................................ 3.4 3.0 – 3.9 6.6 5.3 1.5 0.2

Part time ............................................................................ – – – 4.9 – 8.3 – 0.3

Union ................................................................................. – – – 6.0 7.1 5.9 – –

Nonunion ........................................................................... 3.6 3.1 – 4.0 7.5 6.6 1.2 0.2

Average wage within the following categories:1

Second 25 percent ........................................................ – – – 4.1 7.5 6.1 – 0.5

Third 25 percent ............................................................ – – – 6.0 – 9.5 – 0.1

Highest 25 percent ........................................................ – – – 5.6 4.2 6.8 1.9 –

Highest 10 percent .................................................... – – – 8.2 – 9.7 – –

Establishment characteristic

Goods-producing industries .............................................. 7.9 6.5 – 7.8 – 8.4 – –

Service-providing industries .............................................. – – – 3.4 7.7 5.5 1.9 –

Trade, transportation, and utilities ................................. – – – 6.1 – 7.4 – –

Financial activities ......................................................... – – – 4.2 – 7.7 – –

Finance and insurance .............................................. – – – 4.6 – 8.1 – –

Education and health services ...................................... – – – 2.6 – 14.1 – 0.7

Health care and social assistance ............................ – – – 0.8 – – – 0.8

100 workers or more ......................................................... 3.4 2.8 – 3.8 3.5 4.8 1.8 0.2

100 to 499 workers ....................................................... – – – 5.0 – 8.7 2.8 –

500 workers or more ..................................................... – – – 5.1 3.5 5.5 – 0.4

Geographic area

Middle Atlantic ................................................................... – – – 6.9 – 8.1 – –

East North Central ............................................................ – – – 9.6 6.1 7.8 – 1.0

West North Central ........................................................... – – – 4.9 – 14.3 – 0.3

South Atlantic .................................................................... – – – 5.8 – 5.7 – –

Pacific ............................................................................... – – – 7.3 – – – –

1 The categories are based on the average wage for each occupation surveyed, which may

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

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

United States, 2009." See Technical Note for more details.

NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria.

For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee

Benefit Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 38. Traditional defined benefit plans: Availability of lump sum benefits at retirement, private industry

workers, National Compensation Survey, 2010

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics Total Lump sum

available

Type of lump sum

Lump sum

not available

Not

Full lump determinable

sum

Partial lump

sum with

reduced

annuity

Worker characteristic

All workers ........................................................................ 100 24 17 7 75 1

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

Management, business, and financial ........................... 100 19 – – 81 –

Professional and related ............................................... 100 – – – 85 –

Service .............................................................................. 100 – – – 72 –

Sales and office ................................................................ 100 38 24 14 62 1 ( )

Office and administrative support ................................. 100 34 – – 66 1 ( )

Natural resources, construction, and maintenance ........... 100 21 – – 79 –

Construction, extraction, farming, fishing, and forestry 100 – – – 81 –

Production, transportation, and material moving .............. 100 20 – – 77 3

Transportation and material moving ............................. 100 24 – – 71 4

Full time ............................................................................ 100 22 17 4 77 1

Part time ............................................................................ 100 39 – – 59 2

Union ................................................................................. 100 22 9 13 76 1

Nonunion ........................................................................... 100 25 – – 74 1

Average wage within the following categories:2

Lowest 25 percent ......................................................... 100 49 – – 49 3

Second 25 percent ........................................................ 100 21 – – 79 –

Third 25 percent ............................................................ 100 29 – – 69 2

Highest 25 percent ........................................................ 100 16 – – 84 1 ( )

Highest 10 percent .................................................... 100 – – – 84 –

Establishment characteristic

Goods-producing industries .............................................. 100 20 – – 80 –

Manufacturing ............................................................... 100 – – – 85 –

Service-providing industries .............................................. 100 25 18 7 73 1

Trade, transportation, and utilities ................................. 100 34 – – 62 4

Financial activities ......................................................... 100 28 – – 72 –

Finance and insurance .............................................. 100 30 – – 70 –

Education and health services ...................................... 100 – – – 71 –

Health care and social assistance ............................ 100 – – – 67 –

See footnotes at end of table.
Table 38. Traditional defined benefit plans: Availability of lump sum benefits at retirement, private industry

workers, National Compensation Survey, 2010—Continued

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics Total Lump sum

available

Type of lump sum

Lump sum

not available

Not

Full lump determinable

sum

Partial lump

sum with

reduced

annuity

1 to 99 workers ................................................................. 100 37 – – 59 4

1 to 49 workers ............................................................. 100 – – – 59 –

50 to 99 workers ........................................................... 100 30 – – 59 11

100 workers or more ......................................................... 100 20 12 8 80 1 ( )

100 to 499 workers ....................................................... 100 26 – – 74 1 ( )

500 workers or more ..................................................... 100 16 11 5 84 1 ( )

Geographic area

New England ..................................................................... 100 – – – 85 –

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

East North Central ............................................................ 100 24 – – 74 2

West North Central ........................................................... 100 33 – – 63 4

South Atlantic .................................................................... 100 – – – 80 –

West South Central ........................................................... 100 – – – 73 –

Mountain ........................................................................... 100 – – – 62 –

Pacific ............................................................................... 100 – – – 61 –

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

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

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

Survey: Occupational Earnings in the United States, 2009." See Technical Note for

more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dashes

indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 38. Standard errors for traditional defined benefit plans: Availability of lump sum benefits at

retirement, private industry workers, National Compensation Survey, 2010

Characteristics Lump sum

available

Type of lump sum

Lump sum

not available

Not

Full lump determinable

sum

Partial lump

sum with

reduced

annuity

Worker characteristic

All workers ........................................................................ 3.7 3.6 1.6 3.7 0.5

Management, professional, and related ............................ 4.1 – – 4.1 –

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

Professional and related ............................................... – – – 4.4 –

Service .............................................................................. – – – 16.4 –

Sales and office ................................................................ 4.8 4.8 4.0 4.8 0.3

Office and administrative support ................................. 5.5 – – 5.5 0.2

Natural resources, construction, and maintenance ........... 4.6 – – 4.6 –

Construction, extraction, farming, fishing, and forestry – – – 7.8 –

Production, transportation, and material moving .............. 4.4 – – 4.3 1.8

Transportation and material moving ............................. 5.7 – – 6.3 3.0

Full time ............................................................................ 3.9 3.9 1.1 3.9 0.6

Part time ............................................................................ 6.2 – – 6.4 1.4

Union ................................................................................. 3.5 1.9 3.3 3.5 0.7

Nonunion ........................................................................... 5.6 – – 5.6 0.8

Average wage within the following categories:1

Lowest 25 percent ......................................................... 7.3 – – 7.3 2.0

Second 25 percent ........................................................ 4.6 – – 4.6 –

Third 25 percent ............................................................ 8.0 – – 7.8 1.5

Highest 25 percent ........................................................ 3.5 – – 3.5 0.1

Highest 10 percent .................................................... – – – 5.3 –

Establishment characteristic

Goods-producing industries .............................................. 4.5 – – 4.5 –

Manufacturing ............................................................... – – – 5.3 –

Service-providing industries .............................................. 4.5 4.6 1.8 4.6 0.7

Trade, transportation, and utilities ................................. 5.1 – – 5.3 2.0

Financial activities ......................................................... 7.1 – – 7.1 –

Finance and insurance .............................................. 7.3 – – 7.3 –

Education and health services ...................................... – – – 13.8 –

Health care and social assistance ............................ – – – 15.5 –

See footnotes at end of table.
Table 38. Standard errors for traditional defined benefit plans: Availability of lump sum benefits at

retirement, private industry workers, National Compensation Survey, 2010—Continued

Characteristics Lump sum

available

Type of lump sum

Lump sum

not available

Not

Full lump determinable

sum

Partial lump

sum with

reduced

annuity

1 to 99 workers ................................................................. 11.0 – – 10.5 2.6

1 to 49 workers ............................................................. – – – 16.1 –

50 to 99 workers ........................................................... 6.7 – – 8.7 6.2

100 workers or more ......................................................... 3.0 2.5 2.0 3.0 0.1

100 to 499 workers ....................................................... 5.5 – – 5.5 0.2

500 workers or more ..................................................... 2.9 2.6 1.3 2.9 0.1

Geographic area

New England ..................................................................... – – – 12.8 –

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

East North Central ............................................................ 5.2 – – 5.5 1.6

West North Central ........................................................... 8.7 – – 5.5 4.0

South Atlantic .................................................................... – – – 6.4 –

West South Central ........................................................... – – – 15.3 –

Mountain ........................................................................... – – – 14.2 –

Pacific ............................................................................... – – – 15.5 –

1 The categories are based on the average wage for each occupation

surveyed, which may include workers with earnings both above and below

the threshold. The average wages are based on the estimates published in

the "National Compensation Survey: Occupational Earnings in the United

States, 2009." See Technical Note for more details.

NOTE: Dashes indicate that no data were reported or that data do not meet

publication criteria. For definitions of major plans, key provisions, and

related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 39. Traditional defined benefit plans: Disability retirement benefits, private industry workers, National Compensation

Survey, 2010

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics Total

Disability

retirement

available

Disability retirement begins Disability

retirement not

available

Not

determinable Immediate1 Deferred Not

determinable

Worker characteristic

All workers ........................................................................ 100 71 47 23 1 17 12

Management, professional, and related ............................ 100 54 33 20 1 28 18

Professional and related ............................................... 100 60 36 22 2 27 13

Service .............................................................................. 100 85 56 ––––

Sales and office ................................................................ 100 67 37 28 1 23 10

Office and administrative support ................................. 100 68 34 33 1 20 12

Natural resources, construction, and maintenance ........... 100 88 63 25 – – –

Construction, extraction, farming, fishing, and forestry 100 92 69 ––––

Production, transportation, and material moving .............. 100 79 58 21 – 7 14

Transportation and material moving ............................. 100 83 59 24 – – –

Full time ............................................................................ 100 70 47 22 1 17 13

Part time ............................................................................ 100 79 48 30 1 19 2

Union ................................................................................. 100 90 64 26 – 7 3

Nonunion ........................................................................... 100 55 33 21 1 26 19

Average wage within the following categories:2

Lowest 25 percent ......................................................... 100 77 46 31 – – –

Second 25 percent ........................................................ 100 74 47 27 3 ( ) 14 12

Third 25 percent ............................................................ 100 75 52 22 1 14 12

Highest 25 percent ........................................................ 100 65 42 22 1 21 14

Highest 10 percent .................................................... 100 52 32 19 1 30 18

Establishment characteristic

Goods-producing industries .............................................. 100 77 59 18 1 – –

Manufacturing ............................................................... 100 75 55 19 1 – –

Service-providing industries .............................................. 100 68 42 26 1 21 11

Trade, transportation, and utilities ................................. 100 80 55 25 – 16 5

Financial activities ......................................................... 100 63 30 33 3 ( ) 27 10

Finance and insurance .............................................. 100 61 30 31 3 ( ) 28 11

Education and health services ...................................... 100 71 52 – – 22 6

Health care and social assistance ............................ 100 76 55 ––––

See footnotes at end of table.
Table 39. Traditional defined benefit plans: Disability retirement benefits, private industry workers, National Compensation

Survey, 2010—Continued

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics Total

Disability

retirement

available

Disability retirement begins Disability

retirement not

available

Not

determinable Immediate1 Deferred Not

determinable

1 to 99 workers ................................................................. 100 72 59 – – 13 15

1 to 49 workers ............................................................. 100 80 69 ––––

100 workers or more ......................................................... 100 71 44 26 1 18 11

100 to 499 workers ....................................................... 100 67 42 25 3 ( ) 17 16

500 workers or more ..................................................... 100 73 45 27 1 19 8

Geographic area

Middle Atlantic ................................................................... 100 64 41 23 – 19 18

East North Central ............................................................ 100 80 57 23 3 ( ) 7 14

West North Central ........................................................... 100 77 58 18 3 ( ) – –

South Atlantic .................................................................... 100 70 37 32 1 – –

West South Central ........................................................... 100 69 30 39 – 31 1

Mountain ........................................................................... 100 65 – – 3 ( ) – –

Pacific ............................................................................... 100 73 62 ––––

1 Immediate disability pensions may be supplemented by additional allowances until an

employee reaches a specified age or becomes eligible for Social Security. 2 The categories are based on the average wage for each occupation surveyed, which may

include workers with earnings both above and below the threshold. The average wages are

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

Earnings in the United States, 2009." See Technical Note for more details.

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/glossary20102011.htm.
Table 39. Standard errors for traditional defined benefit plans: Disability retirement benefits, private industry

workers, National Compensation Survey, 2010

Characteristics

Disability

retirement

available

Disability retirement begins Disability

retirement not

available

Not

determinable Immediate1 Deferred Not

determinable

Worker characteristic

All workers ........................................................................ 3.0 3.4 2.2 0.2 2.3 2.4

Management, professional, and related ............................ 6.1 4.4 3.4 0.5 5.0 5.7

Professional and related ............................................... 6.0 4.5 4.0 0.8 5.1 5.2

Service .............................................................................. 5.4 12.8 ––––

Sales and office ................................................................ 4.4 5.0 3.8 0.5 3.8 3.4

Office and administrative support ................................. 4.1 5.2 4.2 0.6 3.6 3.9

Natural resources, construction, and maintenance ........... 3.7 6.5 6.0 – – –

Construction, extraction, farming, fishing, and forestry 4.9 10.2 ––––

Production, transportation, and material moving .............. 4.0 4.6 3.9 – 1.9 3.6

Transportation and material moving ............................. 4.4 6.5 6.1 – – –

Full time ............................................................................ 3.5 3.7 2.2 0.1 2.6 2.7

Part time ............................................................................ 5.4 6.5 6.9 0.8 4.9 1.4

Union ................................................................................. 2.0 3.2 3.1 – 1.5 1.1

Nonunion ........................................................................... 4.8 5.1 2.9 0.3 4.0 3.7

Average wage within the following categories:2

Lowest 25 percent ......................................................... 7.1 6.9 7.8 – – –

Second 25 percent ........................................................ 4.3 4.9 5.1 0.2 2.8 3.8

Third 25 percent ............................................................ 4.7 6.5 3.2 0.3 3.5 2.7

Highest 25 percent ........................................................ 4.9 4.1 2.7 0.4 4.1 3.9

Highest 10 percent .................................................... 6.5 5.0 2.8 0.7 6.6 5.6

Establishment characteristic

Goods-producing industries .............................................. 4.2 4.6 3.4 0.4 – –

Manufacturing ............................................................... 5.3 5.6 3.9 0.5 – –

Service-providing industries .............................................. 3.8 4.3 2.9 0.3 3.3 3.0

Trade, transportation, and utilities ................................. 4.6 5.5 5.2 – 3.7 2.4

Financial activities ......................................................... 5.7 5.3 7.3 0.1 5.4 3.2

Finance and insurance .............................................. 6.0 6.0 7.4 0.1 5.6 3.7

Education and health services ...................................... 6.5 9.9 – – 6.7 3.0

Health care and social assistance ............................ 7.6 11.3 ––––

See footnotes at end of table.
Table 39. Standard errors for traditional defined benefit plans: Disability retirement benefits, private industry

workers, National Compensation Survey, 2010—Continued

Characteristics

Disability

retirement

available

Disability retirement begins Disability

retirement not

available

Not

determinable Immediate1 Deferred Not

determinable

1 to 99 workers ................................................................. 6.3 8.0 – – 3.6 4.4

1 to 49 workers ............................................................. 7.2 9.9 ––––

100 workers or more ......................................................... 3.3 3.2 2.6 0.2 2.8 2.6

100 to 499 workers ....................................................... 6.0 5.5 4.5 0.2 5.1 4.7

500 workers or more ..................................................... 3.4 4.3 3.1 0.3 3.1 2.1

Geographic area

Middle Atlantic ................................................................... 5.7 4.7 4.5 – 4.3 7.8

East North Central ............................................................ 4.4 4.4 4.3 0.1 1.6 3.9

West North Central ........................................................... 12.5 14.1 4.5 0.6 – –

South Atlantic .................................................................... 6.6 9.3 7.9 0.4 – –

West South Central ........................................................... 8.4 5.8 5.0 – 9.0 0.8

Mountain ........................................................................... 11.4 – – 0.3 – –

Pacific ............................................................................... 11.1 11.9 ––––

1 Immediate disability pensions may be supplemented by additional allowances

until an employee reaches a specified age or becomes eligible for Social Security. 2 The categories are based on the average wage for each occupation surveyed,

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

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

Survey: Occupational Earnings in the United States, 2009." See Technical Note for

more details.

NOTE: Dashes indicate that no data were reported or that data do not meet publication

criteria. For definitions of major plans, key provisions, and related terms, see the

"Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 40. Traditional defined benefit plans: Postretirement survivor benefits, private industry workers,

National Compensation Survey, 2010

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics Total

Joint-andsurvivor

annuity1

Selected joint-and-survivor annuity

percentages Not

determinable

50 percent Other fixed

percentage

Choice of

percentages

Worker characteristic

All workers ........................................................................ 100 98 39 5 54 2

Management, professional, and related ............................ 100 100 – – 59 2 ( )

Management, business, and financial ........................... 100 99 – – 56 1

Professional and related ............................................... 100 100 – – 61 2 ( )

Service .............................................................................. 100 100 – – 75 –

Sales and office ................................................................ 100 100 – – 52 2 ( )

Office and administrative support ................................. 100 100 – – 55 2 ( )

Natural resources, construction, and maintenance ........... 100 99 – – 70 1

Construction, extraction, farming, fishing, and forestry 100 100 – – 70 –

Production, transportation, and material moving .............. 100 95 49 9 37 5

Transportation and material moving ............................. 100 96 64 – 32 4

Full time ............................................................................ 100 98 36 6 56 2

Part time ............................................................................ 100 98 60 – – 2

Union ................................................................................. 100 99 37 6 56 1

Nonunion ........................................................................... 100 98 – – 53 2

Average wage within the following categories:3

Lowest 25 percent ......................................................... 100 97 58 – – 3

Second 25 percent ........................................................ 100 97 – – 51 3

Third 25 percent ............................................................ 100 97 – – 56 3

Highest 25 percent ........................................................ 100 100 – – 58 2 ( )

Highest 10 percent .................................................... 100 100 – – 57 2 ( )

Establishment characteristic

Goods-producing industries .............................................. 100 97 – – 53 3

Manufacturing ............................................................... 100 97 – – 48 3

Service-providing industries .............................................. 100 99 – – 55 1

Trade, transportation, and utilities ................................. 100 97 54 – – 3

Financial activities ......................................................... 100 100 36 – 64 –

Finance and insurance .............................................. 100 100 37 – 63 –

Education and health services ...................................... 100 100 – – 82 –

Health care and social assistance ............................ 100 100 18 – 82 –

See footnotes at end of table.
Table 40. Traditional defined benefit plans: Postretirement survivor benefits, private industry workers,

National Compensation Survey, 2010—Continued

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics Total

Joint-andsurvivor

annuity1

Selected joint-and-survivor annuity

percentages Not

determinable

50 percent Other fixed

percentage

Choice of

percentages

1 to 99 workers ................................................................. 100 96 – – 65 4

1 to 49 workers ............................................................. 100 100 – – 79 –

50 to 99 workers ........................................................... 100 89 45 – – 11

100 workers or more ......................................................... 100 99 – – 51 1

100 to 499 workers ....................................................... 100 98 – – 50 2

500 workers or more ..................................................... 100 100 – – 52 2 ( )

Geographic area

New England ..................................................................... 100 100 – – 50 –

Middle Atlantic ................................................................... 100 100 – – 53 –

East North Central ............................................................ 100 98 – – 51 2

West North Central ........................................................... 100 96 45 – – 4

South Atlantic .................................................................... 100 100 – – 59 –

West South Central ........................................................... 100 99 48 – 51 1

Mountain ........................................................................... 100 94 – – – 6

Pacific ............................................................................... 100 100 – – 69 2 ( )

1 An annuity that provides income during the lifetime of both the retiree and the

surviving spouse. The accrued pension will usually be actuarially reduced at

retirement because of the longer time span over which payments are expected to

be made. 2 Less than 0.5. 3 The categories are based on the average wage for each occupation

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

threshold. The average wages are based on the estimates published in the

"National Compensation Survey: Occupational Earnings in the United States,

2009." See Technical Note for more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dashes

indicate that no data were reported or that data do not meet publication criteria. For

definitions of major plans, key provisions, and related terms, see the "Glossary of

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.
Table 40. Standard errors for traditional defined benefit plans: Postretirement survivor benefits,

private industry workers, National Compensation Survey, 2010

Characteristics

Joint-andsurvivor

annuity1

Selected joint-and-survivor annuity

percentages Not

determinable

50 percent Other fixed

percentage

Choice of

percentages

Worker characteristic

All workers ........................................................................ 0.7 3.7 1.5 3.8 0.7

Management, professional, and related ............................ 0.3 – – 5.3 0.3

Management, business, and financial ........................... 0.4 – – 7.2 0.4

Professional and related ............................................... 0.4 – – 5.8 0.4

Service .............................................................................. 0.0 – – 10.0 –

Sales and office ................................................................ 0.2 – – 5.1 0.2

Office and administrative support ................................. 0.2 – – 4.7 0.2

Natural resources, construction, and maintenance ........... 0.8 – – 5.9 0.8

Construction, extraction, farming, fishing, and forestry 0.0 – – 10.0 –

Production, transportation, and material moving .............. 2.2 4.6 2.5 4.3 2.2

Transportation and material moving ............................. 3.0 6.8 – 6.4 3.0

Full time ............................................................................ 0.8 3.5 1.7 3.8 0.8

Part time ............................................................................ 1.4 6.8 – – 1.4

Union ................................................................................. 0.7 4.0 1.6 4.2 0.7

Nonunion ........................................................................... 1.3 – – 5.2 1.3

Average wage within the following categories:2

Lowest 25 percent ......................................................... 2.0 7.7 – – 2.0

Second 25 percent ........................................................ 2.3 – – 7.1 2.3

Third 25 percent ............................................................ 1.5 – – 5.8 1.5

Highest 25 percent ........................................................ 0.2 – – 4.4 0.2

Highest 10 percent .................................................... 0.4 – – 5.9 0.4

Establishment characteristic

Goods-producing industries .............................................. 1.9 – – 4.5 1.9

Manufacturing ............................................................... 2.4 – – 5.0 2.4

Service-providing industries .............................................. 0.7 – – 5.2 0.7

Trade, transportation, and utilities ................................. 2.0 6.8 – – 2.0

Financial activities ......................................................... 0.0 6.6 – 6.6 –

Finance and insurance .............................................. 0.0 6.7 – 6.7 –

Education and health services ...................................... 0.0 – – 4.9 –

Health care and social assistance ............................ 0.0 5.4 – 5.4 –

See footnotes at end of table.
Table 40. Standard errors for traditional defined benefit plans: Postretirement survivor benefits,

private industry workers, National Compensation Survey, 2010—Continued

Characteristics

Joint-andsurvivor

annuity1

Selected joint-and-survivor annuity

percentages Not

determinable

50 percent Other fixed

percentage

Choice of

percentages

1 to 99 workers ................................................................. 2.6 – – 7.9 2.6

1 to 49 workers ............................................................. 0.0 – – 8.0 –

50 to 99 workers ........................................................... 6.2 8.8 – – 6.2

100 workers or more ......................................................... 0.7 – – 3.9 0.7

100 to 499 workers ....................................................... 1.6 – – 6.7 1.6

500 workers or more ..................................................... 0.2 – – 4.1 0.2

Geographic area

New England ..................................................................... 0.0 – – 10.7 –

Middle Atlantic ................................................................... 0.0 – – 12.2 –

East North Central ............................................................ 1.7 – – 5.4 1.7

West North Central ........................................................... 4.0 10.0 – – 4.0

South Atlantic .................................................................... 0.0 – – 9.1 –

West South Central ........................................................... 0.8 12.3 – 11.8 0.8

Mountain ........................................................................... 4.6 – – – 4.6

Pacific ............................................................................... 0.1 – – 9.4 0.1

1 An annuity that provides income during the lifetime of both the

retiree and the surviving spouse. The accrued pension will usually be

actuarially reduced at retirement because of the longer time span over

which payments are expected to be made. 2 The categories are based on the average wage for each occupation

surveyed, which may include workers with earnings both above and below

the threshold. The average wages are based on the estimates published

in the "National Compensation Survey: Occupational Earnings in the

United States, 2009." See Technical Note for more details.

NOTE: Dashes indicate that no data were reported or that data do not

meet publication criteria. For definitions of major plans, key provisions,

and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20102011.htm.
Employee Benefits Survey

Technical Note 

Data in this bulletin are from the National Compensation Survey (NCS), conducted by the U.S. Department of 

Labor, Bureau of Labor Statistics (BLS). The bulletin contains 2010 data on detailed employer-provided health 

and retirement benefit plan provisions for private industry workers in the United States. Excluded from the 2010 

survey are Federal government workers, State and local government workers, the military, agricultural workers, 

private household workers, aircraft manufacturing workers, and workers who are self-employed. Previous 

publications containing information on employee benefits for civilian, private industry and State and local 

government workers are available on the BLS website http://www.bls.gov/ncs/ebs. 

Calculation details 

For data presented by wage levels, average hourly earnings for occupations within an establishment were used 

to produce estimates for worker groups within six earnings groupings: the lowest 10 percent, the lowest 25 

percent, the second 25 percent, the third 25 percent, the highest 25 percent, and the highest 10 percent. 

Individual workers can fall into an earnings category different from the average for the occupation into which 

they are classified. The breakouts are based on the average wage for each occupation surveyed, which may 

include workers both above and below the threshold. The categories are based on wages published in "National 

Compensation Survey: Occupational Earnings in the United States, 2009," U.S. Department of Labor, June 

2010, Bulletin 2738. Values corresponding to the percentiles used in the tables are: 

Characteristic 

Hourly wage percentile 

10 25 50 (median) 75 90 

Private industry workers $8.10 $10.63 $15.70 $24.53 $37.02 

Not determinable estimates 

Some tables in this bulletin contain columns with estimates classified as "not determinable." Situations that 

result in this classification can vary. In detailed provisions of employer-provided health care plans, the "not 

determinable" classification is used whenever partial information on a particular plan feature is available from 

the Summary Plan Description (SPD). The SPD is used as a primary source of information on the provisions of 

a health benefit plan. For example, in one of the tables, workers are classified as participating in four types of 

fee-for-service plans. Those workers that were known to be participating in a fee-for-service plan, but the plan 
type was either not specified or was specified but did not fit into any of the four categories used in the table, 

were classified into the "not determinable" category. 

Another situation in which the "not determinable" classification may be used is when workers are participating 

in plans in which a provision is known to exist, but no information on the specific details of this provision is 

available from the SPD. For example, in one of the tables, all workers participate in fee-for-service plans. The 

majority of the workers that make up the base of this table participated in plans that specified a deductible, but a 

small percentage of workers participated in plans in which the deductible was mentioned but not described. 

These workers were classified into the "not determinable" category. 

Interpreting the tables 

The set of workers on which estimates in the tables are based is indicated by the statement directly under each 

table’s title. For example, the statement may indicate that “All workers participating in medical care plans = 100 

percent,” or “All workers participating in savings and thrift plans = 100 percent.” All estimates shown in the 

table are based on the set of workers specified underneath the table title and on any subsets indicated by column 

headers. 

Most of the estimates in this bulletin are expressed in terms of the percentage of workers participating in a 

particular benefit plan or the percentage covered by a specific provision. Some estimates, however, provide 

values other than percentages of workers, for example, the median age requirement for eligibility to participate 

in a defined benefit retirement plan; dollar averages, medians, and percentiles for various benefit provisions; 

and the specified matching percent (by percentile) an employer will contribute to an employees’ savings and 

thrift retirement plan. 

The non-shaded estimates indicate percentages of workers. Shaded estimates are those that measure values 

other than the percent of workers. 

Survey sample 

The 2010 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.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: http://www.bls.gov/ncs/ebs/glossary20102011.htm.

Appendix table 1. Survey establishment response 

Appendix table 2. Numbers of workers represented 
Appendix table 1. Survey establishment response, private

industry, National Compensation Survey, 2010

Establishments Number of

establishments

Total in sampling frame1 ........................................................ 5,244,722

 Total in sample .................................................................... 3,227

 Responding ........................................................................ 2,197

 Refused or unable to provide data ..................................... 762

 Out of business or not in survey scope .............................. 268

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, 2010

Occupational group2 Estimated number

of workers

All workers ............................................................................. 99,935,800

Management, professional, and related ............................ 24,818,600

Management, business, and financial ........................... 8,450,700

Professional and related ................................................ 16,367,900

Service ............................................................................... 21,610,500

Protective service .......................................................... 1,259,800

Sales and office ................................................................. 28,779,500

Sales and related ........................................................... 11,175,000

Office and administrative support .................................. 17,604,500

Natural resources, construction, and maintenance ........... 7,545,400

Construction, extraction, farming, fishing, and forestry .. 3,549,600

Installation, maintenance, and repair ............................. 3,995,900

Production, transportation, and material moving ............... 17,181,800

Production ...................................................................... 8,334,300

Transportation and material moving .............................. 8,847,600

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.