National Compensation Survey: Health and Retirement Plan 

Provisions in Private Industry in the United States, 2015 

U.S. Department of Labor 

Thomas E. Perez, Secretary 

U.S. Bureau of Labor Statistics 

Erica L. Groshen, Commissioner 

April 2016 

Bulletin 2784 

Contents 

 Overview 

 Health Tables 

 Retirement Tables 

 Technical note 

 Appendix table 1: Survey establishment response 

 Appendix table 2: Number of workers represented 
Overview

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

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

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

household workers, federal government employees, the military, and the self-employed are 

excluded. This bulletin presents estimates of the detailed provisions of employer-provided health 

and retirement plans in private industry in 2015. Estimates presented are on employee benefits 

by various employee and employer characteristics. 

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

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

home page at www.bls.gov/ebs. Information is made available to sensory-impaired individuals 

upon request (Voice phone: (202) 691–5200; Federal Relay Service: 1 (800) 877–8339). Data 

requests also may be sent to U.S. Bureau of Labor Statistics, Division of Compensation Data 

Analysis and Planning, 2 Massachusetts Avenue NE, Room 4175, Washington, DC 20212. 

Material in this publication is in the public domain and, with appropriate credit, may be 

reproduced without permission. 

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

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

Operations and the Office of Technology and Survey Processing (all in the BLS National 

Office), designed the survey, processed the data, and prepared the survey for publication. The 

survey could not have been conducted without the cooperation of the many private businesses 

and state and local government agencies and jurisdictions that provided benefits data included in 

this bulletin. BLS thanks these respondents for their cooperation. 
Table 1. Medical care benefits: Plan type, private industry workers, 2015

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

Characteristics

Fee-for-service plan

Total Traditional

Exclusive

provider

organization1

Preferred

provider

organization2

Point of

service plan3

Not

determinable

Worker characteristics

All workers ............................................................... 84 1 7 69 7 –

Management, professional, and related .................. 82 – 6 64 10 –

Management, business, and financial ................. 82 – 5 71 – –

Professional and related ...................................... 81 – 7 59 15 –

Service ..................................................................... 78 – 10 61 7 –

Sales and office ....................................................... 85 – 7 71 5 –

Sales and related ................................................. 88 – – 78 – –

Office and administrative support ........................ 83 1 8 68 6 –

Natural resources, construction, and maintenance 88 – – 81 – –

Installation, maintenance, and repair ................... 88 – – 82 – –

Production, transportation, and material moving ..... 87 – 8 74 – –

Production ............................................................ 86 – 8 72 – –

Transportation and material moving .................... 87 1 8 77 – –

Full time ................................................................... 84 1 7 68 7 –

Part time .................................................................. – – 4 76 4 –

Union ....................................................................... 84 – 6 74 – –

Nonunion ................................................................. 84 1 7 68 7 –

Average wage within the following categories4:

Second 25 percent ............................................... 85 1 8 70 6 –

Third 25 percent ................................................... 83 1 8 67 7 –

Highest 25 percent ............................................... 84 1 6 69 8 –

Highest 10 percent ........................................... 86 – 5 71 8 –

Establishment characteristics

Goods-producing industries ..................................... 86 1 7 72 – –

Manufacturing ...................................................... 85 – 6 70 – –

Service-providing industries ..................................... 83 1 7 68 7 –

Trade, transportation, and utilities ....................... 89 – 5 81 – –

Retail trade ...................................................... 90 – – 85 – –

Financial activities ................................................ 88 – 5 79 3 –

Finance and insurance .................................... 88 – 6 78 3 –

Credit intermediation and related activities .. 85 – – 77 – –

Insurance carriers and related activities ...... 92 – 9 79 – –

Professional and business services ..................... 81 – 6 74 – –

Education and health services ............................. 77 – 9 43 23 –

Educational services ........................................ 64 – 7 50 4 –

Junior colleges, colleges, and universities ... 69 – 9 52 8 –

Health care and social assistance ................... 80 – 10 42 27 –

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

2015—continued

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

Characteristics

Health maintenance organization

Total Traditional Open

access

Not

determinable

Worker characteristics

All workers ............................................................... 16 12 4 –

Management, professional, and related .................. 18 14 4 –

Management, business, and financial ................. 18 13 5 –

Professional and related ...................................... 19 15 4 –

Service ..................................................................... 22 16 6 –

Sales and office ....................................................... 15 11 5 –

Sales and related ................................................. 12 9 – –

Office and administrative support ........................ 17 11 5 –

Natural resources, construction, and maintenance 12 10 2 –

Installation, maintenance, and repair ................... 12 11 2 –

Production, transportation, and material moving ..... 13 9 – –

Production ............................................................ 14 11 – –

Transportation and material moving .................... 13 7 – –

Full time ................................................................... 16 12 4 –

Part time .................................................................. – 10 – –

Union ....................................................................... 16 8 8 –

Nonunion ................................................................. 16 13 4 –

Average wage within the following categories4:

Second 25 percent ............................................... 15 11 – –

Third 25 percent ................................................... 17 12 5 –

Highest 25 percent ............................................... 16 13 4 –

Highest 10 percent ........................................... 14 11 3 –

Establishment characteristics

Goods-producing industries ..................................... 14 11 3 –

Manufacturing ...................................................... 15 11 – –

Service-providing industries ..................................... 17 12 5 –

Trade, transportation, and utilities ....................... 11 8 – –

Retail trade ...................................................... 10 8 – –

Financial activities ................................................ 12 9 3 –

Finance and insurance .................................... 12 9 3 –

Credit intermediation and related activities .. 15 12 – –

Insurance carriers and related activities ...... 8 5 3 –

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

Education and health services ............................. 23 17 5 –

Educational services ........................................ 36 30 – –

Junior colleges, colleges, and universities ... 31 22 9 –

Health care and social assistance ................... 20 15 – –

See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers, 2015—continued

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

Characteristics

Fee-for-service plan

Total Traditional

Exclusive

provider

organization1

Preferred

provider

organization2

Point of

service plan3

Not

determinable

1 to 99 workers ........................................................ 81 – 7 70 3 –

50 to 99 workers .................................................. 83 – 9 74 – –

100 workers or more ................................................ 86 1 7 68 10 –

100 to 499 workers .............................................. 84 2 8 70 4 –

500 workers or more ............................................ 88 – 6 64 17 –

Geographic areas

Northeast ................................................................. 79 2 11 61 – –

New England ....................................................... 68 – – 54 – –

Middle Atlantic ..................................................... 82 – 12 63 – –

South ....................................................................... 89 – 9 74 5 –

South Atlantic ....................................................... 86 – 8 73 4 –

East South Central ............................................... 96 – 10 81 – –

West South Central .............................................. 91 – – 74 – –

Midwest .................................................................... 89 – 3 76 8 –

East North Central ............................................... 86 – 4 72 10 –

West North Central .............................................. – – 3 87 – –

West ......................................................................... 73 – 6 59 7 –

Mountain .............................................................. 84 – – 72 6 –

Pacific .................................................................. 68 – 6 53 – –

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

2015—continued

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

Characteristics

Health maintenance organization

Total Traditional Open

access

Not

determinable

1 to 99 workers ........................................................ 19 14 5 –

50 to 99 workers .................................................. 17 13 – –

100 workers or more ................................................ 14 11 4 –

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

500 workers or more ............................................ 12 8 4 –

Geographic areas

Northeast ................................................................. 21 11 10 –

New England ....................................................... 32 20 12 –

Middle Atlantic ..................................................... 18 8 10 –

South ....................................................................... 11 7 4 –

South Atlantic ....................................................... 14 8 – –

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

West South Central .............................................. 9 6 – –

Midwest .................................................................... 11 9 – –

East North Central ............................................... 14 11 – –

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

West ......................................................................... 27 24 – –

Mountain .............................................................. 16 12 4 –

Pacific .................................................................. 32 30 – –

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

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

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

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

network. 4 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may

include workers with earnings both above and below the threshold. The categories were formed using percentile estimates

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

March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 1. Standard errors for medical care benefits: Plan type, private industry workers, 2015

Characteristics

Fee-for-service plan

Total Traditional

Exclusive

provider

organization1

Preferred

provider

organization2

Point of

service plan3

Not

determinable

Worker characteristics

All workers ............................................................... 0.7 0.2 0.6 1.1 0.8 –

Management, professional, and related .................. 1.5 – 0.8 1.9 1.5 –

Management, business, and financial ................. 1.9 – 0.9 2.4 – –

Professional and related ...................................... 2.1 – 1.2 2.6 2.0 –

Service ..................................................................... 3.9 – 2.1 3.8 1.7 –

Sales and office ....................................................... 1.7 – 0.9 2.0 1.0 –

Sales and related ................................................. 2.1 – – 2.5 – –

Office and administrative support ........................ 2.2 0.4 1.0 2.4 1.1 –

Natural resources, construction, and maintenance 2.1 – – 3.3 – –

Installation, maintenance, and repair ................... 2.8 – – 3.2 – –

Production, transportation, and material moving ..... 1.7 – 1.3 2.7 – –

Production ............................................................ 2.0 – 1.4 3.3 – –

Transportation and material moving .................... 2.8 0.2 2.2 4.1 – –

Full time ................................................................... 0.8 0.2 0.6 1.1 0.8 –

Part time .................................................................. – – 1.0 5.4 1.0 –

Union ....................................................................... 1.8 – 1.5 3.2 – –

Nonunion ................................................................. 0.8 0.3 0.7 1.2 0.9 –

Average wage within the following categories4:

Second 25 percent ............................................... 2.3 0.3 1.5 2.3 1.2 –

Third 25 percent ................................................... 1.3 0.2 0.9 1.8 1.0 –

Highest 25 percent ............................................... 1.3 0.4 0.8 1.7 1.4 –

Highest 10 percent ........................................... 1.5 – 1.1 2.4 2.2 –

Establishment characteristics

Goods-producing industries ..................................... 1.7 0.4 1.7 3.0 – –

Manufacturing ...................................................... 2.3 – 1.1 3.4 – –

Service-providing industries ..................................... 0.8 0.3 0.6 1.1 0.9 –

Trade, transportation, and utilities ....................... 1.1 – 1.2 1.5 – –

Retail trade ...................................................... 1.9 – – 1.8 – –

Financial activities ................................................ 1.7 – 0.7 1.9 0.9 –

Finance and insurance .................................... 1.5 – 0.9 1.5 0.6 –

Credit intermediation and related activities .. 2.2 – – 2.4 – –

Insurance carriers and related activities ...... 1.1 – 1.5 2.1 – –

Professional and business services ..................... 3.1 – 1.4 3.4 – –

Education and health services ............................. 2.1 – 1.8 2.9 2.7 –

Educational services ........................................ 5.2 – 2.0 4.2 0.9 –

Junior colleges, colleges, and universities ... 3.1 – 2.2 3.5 1.6 –

Health care and social assistance ................... 2.2 – 2.1 3.3 3.2 –

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

workers, 2015—continued

Characteristics

Health maintenance organization

Total Traditional Open

access

Not

determinable

Worker characteristics

All workers ............................................................... 0.7 0.7 0.5 –

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

Management, business, and financial ................. 1.9 1.8 1.1 –

Professional and related ...................................... 2.1 1.9 1.0 –

Service ..................................................................... 3.9 4.0 1.6 –

Sales and office ....................................................... 1.7 1.2 0.9 –

Sales and related ................................................. 2.1 1.6 – –

Office and administrative support ........................ 2.2 1.5 1.2 –

Natural resources, construction, and maintenance 2.1 2.1 0.4 –

Installation, maintenance, and repair ................... 2.8 2.7 0.5 –

Production, transportation, and material moving ..... 1.7 1.2 – –

Production ............................................................ 2.0 1.7 – –

Transportation and material moving .................... 2.8 1.1 – –

Full time ................................................................... 0.8 0.7 0.5 –

Part time .................................................................. – 3.0 – –

Union ....................................................................... 1.8 1.2 2.0 –

Nonunion ................................................................. 0.8 0.7 0.5 –

Average wage within the following categories4:

Second 25 percent ............................................... 2.3 1.4 – –

Third 25 percent ................................................... 1.3 1.3 0.9 –

Highest 25 percent ............................................... 1.3 1.3 0.6 –

Highest 10 percent ........................................... 1.5 1.4 0.6 –

Establishment characteristics

Goods-producing industries ..................................... 1.7 1.5 0.8 –

Manufacturing ...................................................... 2.3 1.9 – –

Service-providing industries ..................................... 0.8 0.8 0.7 –

Trade, transportation, and utilities ....................... 1.1 0.8 – –

Retail trade ...................................................... 1.9 1.6 – –

Financial activities ................................................ 1.7 1.4 0.8 –

Finance and insurance .................................... 1.5 1.1 0.8 –

Credit intermediation and related activities .. 2.2 1.9 – –

Insurance carriers and related activities ...... 1.1 0.8 0.9 –

Professional and business services ..................... 3.1 2.8 – –

Education and health services ............................. 2.1 1.9 1.6 –

Educational services ........................................ 5.2 4.9 – –

Junior colleges, colleges, and universities ... 3.1 3.0 1.9 –

Health care and social assistance ................... 2.2 2.0 – –

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

2015—continued

Characteristics

Fee-for-service plan

Total Traditional

Exclusive

provider

organization1

Preferred

provider

organization2

Point of

service plan3

Not

determinable

1 to 99 workers ........................................................ 1.6 – 1.3 1.9 0.8 –

50 to 99 workers .................................................. 3.0 – 2.0 3.5 – –

100 workers or more ................................................ 1.2 0.3 0.7 1.5 1.2 –

100 to 499 workers .............................................. 1.8 0.5 1.0 2.1 1.0 –

500 workers or more ............................................ 1.5 – 1.0 2.7 2.8 –

Geographic areas

Northeast ................................................................. 1.8 0.5 1.5 2.1 – –

New England ....................................................... 4.8 – – 5.0 – –

Middle Atlantic ..................................................... 1.8 – 1.8 2.1 – –

South ....................................................................... 1.2 – 1.4 1.6 1.1 –

South Atlantic ....................................................... 2.0 – 1.6 1.6 1.1 –

East South Central ............................................... 1.2 – 2.7 2.3 – –

West South Central .............................................. 1.6 – – 4.0 – –

Midwest .................................................................... 1.5 – 0.6 1.9 1.5 –

East North Central ............................................... 1.8 – 0.8 2.5 1.9 –

West North Central .............................................. – – 0.7 1.1 – –

West ......................................................................... 1.9 – 1.2 3.0 1.8 –

Mountain .............................................................. 2.0 – – 3.9 1.3 –

Pacific .................................................................. 2.8 – 1.4 4.1 – –

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

workers, 2015—continued

Characteristics

Health maintenance organization

Total Traditional Open

access

Not

determinable

1 to 99 workers ........................................................ 1.6 1.4 0.9 –

50 to 99 workers .................................................. 3.0 2.8 – –

100 workers or more ................................................ 1.2 1.0 0.6 –

100 to 499 workers .............................................. 1.8 1.5 0.8 –

500 workers or more ............................................ 1.5 1.1 0.9 –

Geographic areas

Northeast ................................................................. 1.8 1.8 1.1 –

New England ....................................................... 4.8 4.9 2.9 –

Middle Atlantic ..................................................... 1.8 1.8 1.2 –

South ....................................................................... 1.2 0.7 1.0 –

South Atlantic ....................................................... 2.0 1.2 – –

East South Central ............................................... 1.2 – – –

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

Midwest .................................................................... 1.5 1.6 – –

East North Central ............................................... 1.8 2.1 – –

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

West ......................................................................... 1.9 1.8 – –

Mountain .............................................................. 2.0 2.0 0.2 –

Pacific .................................................................. 2.8 2.7 – –

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

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

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

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

network. 4 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may

include workers with earnings both above and below the threshold. The categories were formed using percentile estimates

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

March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 2. Medical care benefits: Selected plan characteristics, private industry workers, 2015

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

Characteristics

Plan network Allow nonemergency services outside

network Use a primary care physician

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Worker characteristics

All workers ............................................................... 99 1 – 80 20 – 22 77 1

Management, professional, and related .................. 99 – – 78 22 – 22 77 1

Management, business, and financial ................. 98 – – 80 20 – 22 77 1

Professional and related ...................................... 99 – – 77 23 – 22 77 1

Service ..................................................................... 99 – – 74 26 – 27 72 1

Sales and office ....................................................... 98 – – 81 19 – 21 77 1

Sales and related ................................................. 98 – – 84 16 – 15 83 2

Office and administrative support ........................ 99 1 – 79 21 – 24 75 1

Natural resources, construction, and maintenance 100 – – 84 16 – 20 79 1

Installation, maintenance, and repair ................... 100 – – 86 14 – 17 82 1

Production, transportation, and material moving ..... 99 – – 82 18 – 22 77 1 ( )

Production ............................................................ 99 – – 80 20 – 27 73 1 ( )

Transportation and material moving .................... 99 1 – 84 16 – 16 83 1

Full time ................................................................... 99 1 – 79 21 – 22 77 1

Part time .................................................................. 99 – – 84 16 – 21 79 –

Union ....................................................................... 99 – – 85 15 – 19 81 –

Nonunion ................................................................. 99 1 – 79 21 – 23 76 1

Average wage within the following categories2:

Second 25 percent ............................................... 99 1 – 80 20 – 22 78 1 ( )

Third 25 percent ................................................... 99 1 – 79 21 – 23 75 1

Highest 25 percent ............................................... 99 1 – 80 20 – 21 78 1

Highest 10 percent ........................................... 98 – – 82 18 – 18 82 1

Establishment characteristics

Goods-producing industries ..................................... 99 1 – 80 20 – 24 76 1 ( )

Manufacturing ...................................................... 98 – – 81 19 – 25 75 1 ( )

Service-providing industries ..................................... 99 1 – 79 21 – 22 77 1

Trade, transportation, and utilities ....................... 99 – – 86 14 – 15 84 1

Retail trade ...................................................... 98 – – 88 12 – 13 87 –

Financial activities ................................................ 99 – – 85 15 – 20 78 3

Finance and insurance .................................... 99 – – 84 16 – 21 75 3

Credit intermediation and related activities .. 99 – – 84 16 – 20 78 1

Insurance carriers and related activities ...... 99 – – 85 15 – 25 68 6

Professional and business services ..................... 99 – – 78 22 – 20 80 1 ( )

Education and health services ............................. 98 – – 72 28 – 29 70 1

Educational services ........................................ 97 – – 60 40 – 37 63 –

Junior colleges, colleges, and universities ... 100 – – 69 31 – 37 63 –

Health care and social assistance ................... 98 – – 74 26 – 28 71 1

See footnotes at end of table.
Table 2. Medical care benefits: Selected plan characteristics, private industry workers, 2015—continued

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

Characteristics

Plan network Allow nonemergency services outside

network Use a primary care physician

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

1 to 99 workers ........................................................ 99 – – 78 22 – 24 75 1

50 to 99 workers .................................................. 100 – – 78 22 – 24 75 1

100 workers or more ................................................ 99 1 – 81 19 – 21 78 1

100 to 499 workers .............................................. 98 2 – 78 22 – 24 76 1

500 workers or more ............................................ 99 – – 85 15 – 17 83 1 ( )

Geographic areas

Northeast ................................................................. 98 2 – 77 23 – 26 74 1

New England ....................................................... 98 – – 72 28 – 33 66 1 ( )

Middle Atlantic ..................................................... 98 – – 78 22 – 23 76 1

South ....................................................................... 99 – – 83 17 – 20 80 1

South Atlantic ....................................................... 99 – – 82 18 – 22 77 1

East South Central ............................................... 99 – – 87 13 – 18 81 1

West South Central .............................................. 99 – – 84 16 – 17 82 1 ( )

Midwest .................................................................... 99 – – 87 13 – 15 84 2

East North Central ............................................... 99 – – 84 16 – 17 81 2

West North Central .............................................. 99 – – 92 8 – 10 89 1

West ......................................................................... 99 – – 69 31 – 31 68 1 ( )

Mountain .............................................................. 99 – – 82 18 – – 78 –

Pacific .................................................................. 98 – – 63 37 – 36 64 1 ( )

1 Less than 0.5. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories were formed

using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 2. Standard errors for medical care benefits: Selected plan characteristics, private industry workers, 2015

Characteristics

Plan network Allow nonemergency services outside

network Use a primary care physician

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Worker characteristics

All workers ............................................................... 0.2 0.2 – 0.9 0.9 – 1.2 1.2 0.2

Management, professional, and related .................. 0.4 – – 1.6 1.6 – 1.9 1.9 0.2

Management, business, and financial ................. 0.7 – – 2.1 2.1 – 2.4 2.5 0.3

Professional and related ...................................... 0.4 – – 2.3 2.3 – 2.5 2.5 0.3

Service ..................................................................... 0.5 – – 4.0 4.0 – 4.3 4.4 0.4

Sales and office ....................................................... 0.5 – – 1.5 1.5 – 1.9 2.0 0.3

Sales and related ................................................. 1.3 – – 2.4 2.4 – 2.1 2.3 0.7

Office and administrative support ........................ 0.4 0.4 – 1.7 1.7 – 2.5 2.6 0.3

Natural resources, construction, and maintenance 0.2 – – 3.3 3.3 – 2.6 2.7 0.5

Installation, maintenance, and repair ................... 0.2 – – 3.0 3.0 – 3.1 3.2 1.0

Production, transportation, and material moving ..... 0.3 – – 1.8 1.8 – 2.2 2.2 0.2

Production ............................................................ 0.5 – – 2.2 2.2 – 2.5 2.5 0.2

Transportation and material moving .................... 0.2 0.2 – 2.5 2.5 – 3.5 3.5 0.5

Full time ................................................................... 0.2 0.2 – 1.0 1.0 – 1.2 1.2 0.2

Part time .................................................................. 0.6 – – 3.2 3.2 – 4.8 4.8 –

Union ....................................................................... 0.3 – – 2.1 2.1 – 2.5 2.5 –

Nonunion ................................................................. 0.3 0.3 – 1.0 1.0 – 1.3 1.3 0.2

Average wage within the following categories1:

Second 25 percent ............................................... 0.3 0.3 – 1.9 1.9 – 2.5 2.5 0.2

Third 25 percent ................................................... 0.2 0.2 – 1.6 1.6 – 1.9 1.9 0.4

Highest 25 percent ............................................... 0.4 0.4 – 1.5 1.5 – 1.6 1.7 0.2

Highest 10 percent ........................................... 0.7 – – 1.8 1.8 – 1.9 2.0 0.2

Establishment characteristics

Goods-producing industries ..................................... 0.4 0.4 – 2.3 2.3 – 1.8 1.8 0.1

Manufacturing ...................................................... 0.6 – – 2.4 2.4 – 2.6 2.6 0.1

Service-providing industries ..................................... 0.3 0.3 – 1.0 1.0 – 1.4 1.4 0.2

Trade, transportation, and utilities ....................... 0.5 – – 1.2 1.2 – 1.4 1.3 0.5

Retail trade ...................................................... 0.7 – – 1.4 1.4 – 1.5 1.5 –

Financial activities ................................................ 0.4 – – 1.3 1.3 – 1.7 1.6 0.7

Finance and insurance .................................... 0.5 – – 1.1 1.1 – 1.8 2.0 1.0

Credit intermediation and related activities .. 0.9 – – 1.8 1.8 – 2.9 3.0 0.6

Insurance carriers and related activities ...... 0.6 – – 1.9 1.9 – 3.4 3.9 2.2

Professional and business services ..................... 0.4 – – 3.2 3.2 – 3.8 3.8 0.3

Education and health services ............................. 0.9 – – 3.1 3.1 – 3.3 3.6 0.4

Educational services ........................................ 2.6 – – 4.0 4.0 – 5.0 5.0 –

Junior colleges, colleges, and universities ... 0.2 – – 3.1 3.1 – 2.9 2.9 –

Health care and social assistance ................... 0.9 – – 3.4 3.4 – 3.8 4.1 0.4

See footnotes at end of table.
Table 2. Standard errors for medical care benefits: Selected plan characteristics, private industry workers, 2015—continued

Characteristics

Plan network Allow nonemergency services outside

network Use a primary care physician

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

1 to 99 workers ........................................................ 0.3 – – 1.7 1.7 – 2.2 2.2 0.3

50 to 99 workers .................................................. 0.2 – – 3.3 3.3 – 3.9 4.0 0.4

100 workers or more ................................................ 0.3 0.3 – 1.2 1.2 – 1.5 1.5 0.2

100 to 499 workers .............................................. 0.5 0.5 – 1.7 1.7 – 2.2 2.2 0.2

500 workers or more ............................................ 0.4 – – 1.5 1.5 – 1.3 1.4 0.2

Geographic areas

Northeast ................................................................. 0.5 0.5 – 2.4 2.4 – 1.9 1.9 0.3

New England ....................................................... 0.9 – – 3.9 3.9 – 4.2 4.2 0.3

Middle Atlantic ..................................................... 0.5 – – 2.9 2.9 – 2.2 2.2 0.4

South ....................................................................... 0.4 – – 1.7 1.7 – 1.4 1.6 0.3

South Atlantic ....................................................... 0.5 – – 2.2 2.2 – 2.0 2.4 0.5

East South Central ............................................... 0.5 – – 3.4 3.4 – 3.2 3.1 0.3

West South Central .............................................. 1.0 – – 3.5 3.5 – 2.6 2.6 0.2

Midwest .................................................................... 0.5 – – 1.7 1.7 – 3.0 3.0 0.5

East North Central ............................................... 0.6 – – 2.2 2.2 – 4.1 4.2 0.7

West North Central .............................................. 1.1 – – 2.1 2.1 – 2.1 2.2 0.5

West ......................................................................... 0.4 – – 1.7 1.7 – 2.9 2.9 0.1

Mountain .............................................................. 0.5 – – 3.1 3.1 – – 7.4 –

Pacific .................................................................. 0.6 – – 2.2 2.2 – 2.9 2.9 0.1

1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 3. Medical care benefits: Eligibility requirements, private industry workers, 2015

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

Characteristics With service

requirement

Service requirement

With no service

requirement

Not

determinable 1 month 2 months 3 months

Greater

than 3

months

Not

determinable

Median

service

requirement

(in months)

Worker characteristics

All workers ............................................................... 53 20 11 17 5 – 2 29 19

Management, professional, and related .................. 46 25 9 11 1 – 1 36 18

Management, business, and financial ................. 54 28 9 15 – – – 33 13

Sales and office ....................................................... 55 20 10 19 6 – 2 28 16

Office and administrative support ........................ 54 24 10 15 4 – 2 32 14

Natural resources, construction, and maintenance 63 17 14 21 11 – – 21 17

Installation, maintenance, and repair ................... 59 15 14 27 4 – – 27 13

Full time ................................................................... 52 20 11 17 4 – 2 30 19

Part time .................................................................. 69 14 11 16 27 – 3 13 18

Nonunion ................................................................. 53 22 11 17 4 – 2 28 19

Average wage within the following categories1:

Second 25 percent ............................................... 58 20 11 21 6 – 2 24 18

Highest 25 percent ............................................... 45 23 9 11 3 – – 36 19

Establishment characteristics

Goods-producing industries ..................................... 55 23 11 15 6 – 2 25 19

Manufacturing ...................................................... 53 25 – 15 – – – 28 19

Service-providing industries ..................................... 52 19 11 17 5 – 2 30 19

Trade, transportation, and utilities:

Retail trade ..................................................... 71 5 8 41 17 – 3 10 19

Financial activities ................................................ 52 33 12 6 – – 1 35 13

Finance and insurance .................................... 49 40 4 5 – – 1 36 15

Credit intermediation and related activities .. 57 48 – – – – 1 29 14

Insurance carriers and related activities ...... 44 34 – – – – 1 38 18

Education and health services ............................. 52 26 14 10 – – – 33 16

Educational services ........................................ 29 21 – 4 – – 1 58 13

Junior colleges, colleges, and universities ... 30 21 – 5 – – 1 56 14

Health care and social assistance ................... 56 27 16 11 – – – 28 16

100 workers or more ................................................ 52 17 12 17 6 – 2 32 15

100 to 499 workers .............................................. 58 16 13 21 8 – – 29 13

500 workers or more ............................................ 45 18 10 12 5 – 2 36 19

Geographic areas

South ....................................................................... 56 19 13 18 6 – 2 30 14

South Atlantic ....................................................... 51 16 13 17 5 – 2 34 14

East South Central ............................................... 61 17 12 23 9 – 3 25 14

West South Central .............................................. 61 24 13 17 6 – 2 27 13

Midwest:

West North Central .............................................. 57 20 15 18 5 – 2 28 15

West:

Mountain .............................................................. 67 37 8 20 – – 1 16 18

1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories

were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 3. Standard errors for medical care benefits: Eligibility requirements, private industry workers, 2015

Characteristics With service

requirement

Service requirement

With no

service

requirement

Not

determinable 1 month 2 months 3 months

Greater

than 3

months

Not

determinable

Median

service

requirement

(in months)

Worker characteristics

All workers ............................................................... 1.5 1.0 0.9 1.0 0.4 – 0.0 1.3 1.1

Management, professional, and related .................. 2.5 2.0 1.1 1.7 0.4 – 0.3 2.3 1.6

Management, business, and financial ................. 3.7 2.7 2.2 3.2 – – – 3.3 1.3

Sales and office ....................................................... 2.1 1.9 1.5 1.6 0.5 – 0.2 2.3 1.5

Office and administrative support ........................ 2.2 2.4 1.8 1.3 0.7 – 0.0 2.2 1.6

Natural resources, construction, and maintenance 3.0 3.1 2.1 2.7 2.1 – – 2.3 2.2

Installation, maintenance, and repair ................... 4.4 2.4 3.4 3.7 1.2 – – 3.8 2.5

Full time ................................................................... 1.5 1.1 0.9 1.1 0.5 – 0.0 1.3 1.2

Part time .................................................................. 3.8 3.8 3.2 3.3 3.3 – 0.0 2.9 3.5

Nonunion ................................................................. 1.5 1.2 0.9 1.1 0.3 – 0.0 1.4 1.3

Average wage within the following categories1:

Second 25 percent ............................................... 1.9 2.1 1.6 1.9 0.8 – 0.4 2.3 1.8

Highest 25 percent ............................................... 2.6 2.0 1.2 1.4 0.6 – – 2.2 1.8

Establishment characteristics

Goods-producing industries ..................................... 2.6 2.6 2.2 2.1 1.3 – 0.0 2.0 2.1

Manufacturing ...................................................... 3.4 3.3 – 2.7 – – – 3.0 2.5

Service-providing industries ..................................... 1.7 1.1 1.0 1.1 0.4 – 0.0 1.5 1.3

Trade, transportation, and utilities:

Retail trade ..................................................... 2.6 0.9 1.6 2.6 2.1 – 0.0 2.5 1.8

Financial activities ................................................ 2.0 2.6 2.7 1.5 – – 0.0 2.1 1.6

Finance and insurance .................................... 2.1 2.4 1.0 1.5 – – 0.0 1.9 1.7

Credit intermediation and related activities .. 3.6 4.3 – – – – 0.0 3.2 2.7

Insurance carriers and related activities ...... 4.2 4.2 – – – – 0.0 5.0 2.4

Education and health services ............................. 3.4 2.8 2.1 2.6 – – – 3.4 2.3

Educational services ........................................ 6.4 6.2 – 1.1 – – 0.0 7.1 3.9

Junior colleges, colleges, and universities ... 4.5 4.1 – 1.4 – – 0.0 5.3 3.8

Health care and social assistance ................... 3.8 3.1 2.4 3.0 – – – 3.9 2.7

100 workers or more ................................................ 1.8 1.2 1.5 1.4 0.6 – 0.0 1.9 1.2

100 to 499 workers .............................................. 2.1 1.5 1.9 2.0 0.9 – – 2.3 1.1

500 workers or more ............................................ 2.9 1.8 1.9 1.8 1.0 – 0.0 2.8 2.3

Geographic areas

South ....................................................................... 2.3 1.4 1.5 2.2 0.7 – 0.0 2.1 1.6

South Atlantic ....................................................... 2.7 1.6 2.0 3.6 0.8 – 0.0 3.1 1.2

East South Central ............................................... 4.5 3.0 3.1 2.7 2.5 – 0.6 5.1 1.5

West South Central .............................................. 4.9 3.1 3.1 3.5 1.1 – 0.0 3.2 4.2

Midwest:

West North Central .............................................. 5.9 2.9 3.7 0.9 0.9 – 0.0 4.1 4.0

West:

Mountain .............................................................. 2.6 3.3 0.7 3.9 – – 0.0 4.3 3.8

1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories

were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 4. Medical care benefits: High deductible and nonhigh

deductible health plans,1

 private industry workers, 2015

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

Characteristics High deductible

health plans

Nonhigh

deductible health

plans

Worker characteristics

All workers ............................................................... 38 61

Management, professional, and related .................. 35 63

Management, business, and financial ................. 36 62

Professional and related ...................................... 35 63

Service ..................................................................... 34 65

Sales and office ....................................................... 45 54

Sales and related ................................................. 50 49

Office and administrative support ........................ 43 57

Natural resources, construction, and maintenance 31 69

Installation, maintenance, and repair ................... 39 61

Production, transportation, and material moving ..... 38 61

Production ............................................................ 43 56

Transportation and material moving .................... 31 68

Full time ................................................................... 38 61

Part time .................................................................. 37 63

Union ....................................................................... 17 82

Nonunion ................................................................. 41 58

Average wage within the following categories2:

Second 25 percent ............................................... 42 57

Third 25 percent ................................................... 37 62

Highest 25 percent ............................................... 33 65

Highest 10 percent ........................................... 32 65

Establishment characteristics

Goods-producing industries ..................................... 37 62

Manufacturing ...................................................... 41 58

Service-providing industries ..................................... 38 61

Trade, transportation, and utilities ....................... 43 57

Retail trade ...................................................... 53 47

Financial activities ................................................ 45 54

Finance and insurance .................................... 47 53

Credit intermediation and related activities .. 50 49

Insurance carriers and related activities ...... 44 56

Professional and business services ..................... 45 54

Education and health services ............................. 29 68

Educational services ........................................ 21 79

Junior colleges, colleges, and universities ... 18 82

Health care and social assistance ................... 31 66

See footnotes at end of table.
Table 4. Medical care benefits: High deductible and nonhigh

deductible health plans,1

 private industry workers,

2015—continued

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

Characteristics High deductible

health plans

Nonhigh

deductible health

plans

1 to 99 workers ........................................................ 39 60

50 to 99 workers .................................................. 37 62

100 workers or more ................................................ 36 62

100 to 499 workers .............................................. 42 58

500 workers or more ............................................ 28 69

Geographic areas

Northeast ................................................................. 33 65

New England ....................................................... 28 71

Middle Atlantic ..................................................... 34 64

South ....................................................................... 41 57

South Atlantic ....................................................... 40 59

East South Central ............................................... 41 58

West South Central .............................................. 43 55

Midwest .................................................................... 45 54

East North Central ............................................... 47 52

West North Central .............................................. 40 59

West ......................................................................... 29 71

Mountain .............................................................. 33 67

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

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

are included. Plans with other deductible formulas are not included. 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 $1,300 to be classified as a HDHP. Normally the plan

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

for routine out-of-pocket expenses. 2 Surveyed occupations are classified into wage categories based on the average wage for the

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

were formed using percentile estimates generated using data from the National Compensation Survey

publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 4. Standard errors for medical care benefits: High

deductible and nonhigh deductible health plans,1

 private industry

workers, 2015

Characteristics High deductible

health plans

Nonhigh

deductible health

plans

Worker characteristics

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

Management, professional, and related .................. 1.6 1.7

Management, business, and financial ................. 1.9 2.2

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

Service ..................................................................... 5.2 5.2

Sales and office ....................................................... 2.1 2.2

Sales and related ................................................. 3.9 3.8

Office and administrative support ........................ 2.7 2.7

Natural resources, construction, and maintenance 2.7 2.6

Installation, maintenance, and repair ................... 3.4 3.4

Production, transportation, and material moving ..... 2.7 2.6

Production ............................................................ 2.5 2.4

Transportation and material moving .................... 4.5 4.4

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

Part time .................................................................. 4.8 4.8

Union ....................................................................... 2.9 2.8

Nonunion ................................................................. 1.4 1.3

Average wage within the following categories2:

Second 25 percent ............................................... 2.2 2.1

Third 25 percent ................................................... 1.6 1.7

Highest 25 percent ............................................... 1.7 1.8

Highest 10 percent ........................................... 2.0 2.4

Establishment characteristics

Goods-producing industries ..................................... 2.5 2.4

Manufacturing ...................................................... 2.8 2.6

Service-providing industries ..................................... 1.4 1.4

Trade, transportation, and utilities ....................... 2.6 2.5

Retail trade ...................................................... 3.0 3.0

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

Finance and insurance .................................... 2.3 2.4

Credit intermediation and related activities .. 4.4 4.3

Insurance carriers and related activities ...... 3.4 3.4

Professional and business services ..................... 3.9 4.2

Education and health services ............................. 2.5 2.6

Educational services ........................................ 4.3 4.3

Junior colleges, colleges, and universities ... 3.5 3.5

Health care and social assistance ................... 2.9 3.0

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

deductible and nonhigh deductible health plans,1

 private industry

workers, 2015—continued

Characteristics High deductible

health plans

Nonhigh

deductible health

plans

1 to 99 workers ........................................................ 2.0 2.0

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

100 workers or more ................................................ 1.6 1.7

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

500 workers or more ............................................ 2.1 2.2

Geographic areas

Northeast ................................................................. 1.8 1.7

New England ....................................................... 4.4 4.4

Middle Atlantic ..................................................... 1.7 1.6

South ....................................................................... 1.7 1.6

South Atlantic ....................................................... 1.7 1.8

East South Central ............................................... 1.9 2.2

West South Central .............................................. 4.0 3.7

Midwest .................................................................... 2.8 2.7

East North Central ............................................... 3.1 2.8

West North Central .............................................. 5.9 6.1

West ......................................................................... 3.2 3.2

Mountain .............................................................. 6.3 6.4

Pacific .................................................................. 3.7 3.7

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 $1,300

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

medical expenses, but the insured is responsible for routine out-of-pocket expenses. 2 Surveyed occupations are classified into wage categories based on the average wage for the

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

were formed using percentile estimates generated using data from the National Compensation Survey

publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 5. High deductible health plans:1

 Summary of selected tax-favored

accounts,2

 private industry workers, 2015

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

Characteristics Health savings

account3

Health

reimbursement

arrangement4

Flexible spending

account5

Worker characteristics

All workers ............................................................... 43 17 39

Management, professional, and related .................. 52 14 43

Management, business, and financial ................. 55 16 48

Professional and related ...................................... 50 13 39

Service ..................................................................... 33 16 39

Sales and office ....................................................... 38 27 38

Sales and related ................................................. 26 36 24

Office and administrative support ........................ 45 23 46

Natural resources, construction, and maintenance 30 – 23

Installation, maintenance, and repair ................... 34 – 24

Production, transportation, and material moving ..... 45 10 39

Production ............................................................ 41 – 40

Transportation and material moving .................... 50 18 38

Full time ................................................................... 44 15 39

Part time .................................................................. 26 49 31

Union ....................................................................... – 12 41

Nonunion ................................................................. 43 17 38

Average wage within the following categories6:

Second 25 percent ............................................... 34 20 42

Third 25 percent ................................................... 46 13 41

Highest 25 percent ............................................... 51 14 39

Highest 10 percent ........................................... 54 16 44

Establishment characteristics

Goods-producing industries ..................................... 41 8 39

Manufacturing ...................................................... 41 9 46

Service-providing industries ..................................... 43 20 38

Trade, transportation, and utilities ....................... 35 32 26

Retail trade ...................................................... 19 47 24

Transportation and warehousing ..................... 65 – –

Information ........................................................... 59 – 49

Financial activities ................................................ 45 31 59

Finance and insurance .................................... 47 37 62

Credit intermediation and related activities .. 36 45 62

Insurance carriers and related activities ...... 61 25 58

Professional and business services ..................... 46 – 37

Professional and technical services ................. 39 – 31

Education and health services ............................. 42 10 46

Educational services ........................................ 29 – –

Junior colleges, colleges, and universities ... 49 – –

Health care and social assistance ................... 44 11 46

See footnotes at end of table.
Table 5. High deductible health plans:1

 Summary of selected tax-favored

accounts,2

 private industry workers, 2015—continued

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

Characteristics Health savings

account3

Health

reimbursement

arrangement4

Flexible spending

account5

1 to 99 workers ........................................................ 42 8 33

50 to 99 workers .................................................. 37 – 38

100 workers or more ................................................ 43 24 43

100 to 499 workers .............................................. 39 22 34

500 workers or more ............................................ 53 29 62

Geographic areas

Northeast ................................................................. 44 19 43

New England ....................................................... 45 27 –

Middle Atlantic ..................................................... 44 – 44

South ....................................................................... 40 15 28

South Atlantic ....................................................... 38 14 29

East South Central ............................................... 35 – –

West South Central .............................................. 46 13 34

Midwest .................................................................... 45 19 45

East North Central ............................................... 41 18 45

West North Central .............................................. 54 21 44

West ......................................................................... 44 18 46

Mountain .............................................................. 41 – 52

Pacific .................................................................. 45 16 43

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 $1,300 to be classified as a HDHP. Normally the

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

out-of-pocket expenses. 2 The sum of the columns may not equal 100 since workers may participate in more than one tax-favored account. 3 Health savings accounts (HSA) are used in combination with high deductible health plans to pay for current and future

medical expenses. HSAs are controlled by the employee, although both employees and employers may contribute to the account.

Accounts can accumulate tax-deferred interest. 4 Health reimbursement arrangements (HRAs) are funded solely by the employer to reimburse employees for any qualified

medical expenses. HRAs may be offered with any medical plan. 5 Flexible spending accounts (FSAs) allow an employee to set aside a portion of earnings to pay for qualified medical

expenses. Money is deducted from an employee’s earnings and is not subject to payroll taxes. Any funds not used by the end of

the plan year are forfeited by the employee. 6 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include

workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated

using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 5. Standard errors for high deductible health plans:1

 Summary of selected

tax-favored accounts, private industry workers, 2015

Characteristics Health savings

account2

Health

reimbursement

arrangement3

Flexible spending

account4

Worker characteristics

All workers ............................................................... 2.2 1.3 1.8

Management, professional, and related .................. 4.0 1.4 3.0

Management, business, and financial ................. 4.6 2.0 3.9

Professional and related ...................................... 5.3 1.8 3.9

Service ..................................................................... 5.5 4.3 5.8

Sales and office ....................................................... 2.7 1.8 2.2

Sales and related ................................................. 3.3 4.1 3.0

Office and administrative support ........................ 2.9 2.4 3.2

Natural resources, construction, and maintenance 4.5 – 3.6

Installation, maintenance, and repair ................... 6.0 – 5.1

Production, transportation, and material moving ..... 3.8 2.0 4.3

Production ............................................................ 4.8 – 4.7

Transportation and material moving .................... 4.9 4.8 7.0

Full time ................................................................... 2.1 1.3 2.0

Part time .................................................................. 5.8 5.3 7.1

Union ....................................................................... – 3.1 6.1

Nonunion ................................................................. 2.1 1.4 1.8

Average wage within the following categories5:

Second 25 percent ............................................... 2.3 2.2 3.1

Third 25 percent ................................................... 3.2 2.0 2.6

Highest 25 percent ............................................... 3.8 1.6 3.4

Highest 10 percent ........................................... 4.7 2.7 4.0

Establishment characteristics

Goods-producing industries ..................................... 4.1 1.5 3.9

Manufacturing ...................................................... 4.9 1.8 4.6

Service-providing industries ..................................... 2.5 1.6 2.0

Trade, transportation, and utilities ....................... 2.8 3.5 3.6

Retail trade ...................................................... 1.8 3.7 2.6

Transportation and warehousing ..................... 8.2 – –

Information ........................................................... 6.7 – 7.0

Financial activities ................................................ 3.9 4.1 3.9

Finance and insurance .................................... 3.7 4.4 3.2

Credit intermediation and related activities .. 4.1 5.3 4.5

Insurance carriers and related activities ...... 5.9 4.1 5.3

Professional and business services ..................... 7.0 – 3.5

Professional and technical services ................. 10.3 – 4.6

Education and health services ............................. 6.7 1.6 6.1

Educational services ........................................ 7.5 – –

Junior colleges, colleges, and universities ... 9.5 – –

Health care and social assistance ................... 7.4 1.8 6.7

See footnotes at end of table.
Table 5. Standard errors for high deductible health plans:1

 Summary of selected

tax-favored accounts, private industry workers, 2015—continued

Characteristics Health savings

account2

Health

reimbursement

arrangement3

Flexible spending

account4

1 to 99 workers ........................................................ 3.3 1.2 2.7

50 to 99 workers .................................................. 5.8 – 5.1

100 workers or more ................................................ 2.4 2.3 2.7

100 to 499 workers .............................................. 2.9 2.4 3.1

500 workers or more ............................................ 3.9 5.1 3.8

Geographic areas

Northeast ................................................................. 7.5 4.3 4.0

New England ....................................................... 6.4 6.0 –

Middle Atlantic ..................................................... 9.2 – 4.8

South ....................................................................... 2.7 1.7 2.5

South Atlantic ....................................................... 4.4 2.4 4.0

East South Central ............................................... 4.5 – –

West South Central .............................................. 4.0 2.1 3.5

Midwest .................................................................... 5.1 2.3 4.4

East North Central ............................................... 6.1 3.0 5.9

West North Central .............................................. 7.0 2.0 4.3

West ......................................................................... 3.1 3.6 4.3

Mountain .............................................................. 2.0 – 4.2

Pacific .................................................................. 5.0 3.2 6.0

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

traditional health plan. An individual plan must have a minimum deductible of $1,300 to be classified as a HDHP. Normally the

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

out-of-pocket expenses. 2 Health savings accounts (HSA) are used in combination with high deductible health plans to pay for current and future

medical expenses. HSAs are controlled by the employee, although both employees and employers may contribute to the account.

Accounts can accumulate tax-deferred interest. 3 Health reimbursement arrangements (HRAs) are funded solely by the employer to reimburse employees for any qualified

medical expenses. HRAs may be offered with any medical plan. 4 Flexible spending accounts (FSAs) allow an employee to set aside a portion of earnings to pay for qualified medical

expenses. Money is deducted from an employee’s earnings and is not subject to payroll taxes. Any funds not used by the end of

the plan year are forfeited by the employee. 5 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include

workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated

using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 6. High deductible health plans:1

 Amount of annual individual deductible, private

industry workers, 2015

(Includes workers participating in high deductible health plans)

Characteristics

Amount of annual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... $1,500 $1,500 $2,000 $2,750 $4,000

Management, professional, and related .................. 1,500 1,500 2,000 2,500 3,000

Management, business, and financial ................. 1,500 1,500 2,000 2,500 4,000

Professional and related ...................................... 1,500 1,500 2,000 2,500 3,000

Service ..................................................................... 1,500 1,500 2,000 2,750 4,000

Sales and office ....................................................... 1,500 1,750 2,000 2,750 4,000

Sales and related ................................................. 1,500 1,800 2,750 3,000 5,000

Office and administrative support ........................ 1,500 1,600 2,000 2,650 3,000

Natural resources, construction, and maintenance 1,500 1,500 2,000 3,000 4,000

Installation, maintenance, and repair ................... 1,500 1,500 2,000 3,000 5,000

Production, transportation, and material moving ..... 1,500 1,500 2,000 3,000 5,000

Production ............................................................ 1,500 1,500 2,000 3,500 5,000

Transportation and material moving .................... 1,500 1,750 2,000 3,000 –

Full time ................................................................... 1,500 1,500 2,000 2,750 4,000

Part time .................................................................. 1,500 1,750 2,500 2,750 3,000

Union ....................................................................... 1,500 1,500 2,000 3,000 3,500

Nonunion ................................................................. 1,500 1,500 2,000 2,750 4,000

Average wage within the following categories2:

Second 25 percent ............................................... 1,500 1,500 2,000 2,750 5,000

Third 25 percent ................................................... 1,500 1,500 2,000 2,850 4,000

Highest 25 percent ............................................... 1,500 1,500 2,000 2,500 3,500

Highest 10 percent ........................................... 1,500 1,500 1,850 2,500 3,000

Establishment characteristics

Goods-producing industries ..................................... 1,500 1,500 2,000 3,000 5,000

Manufacturing ...................................................... 1,500 1,500 2,000 3,000 5,000

Service-providing industries ..................................... 1,500 1,500 2,000 2,750 3,300

Trade, transportation, and utilities ....................... 1,500 1,750 2,500 3,000 4,000

Retail trade ...................................................... 1,500 1,750 2,750 3,000 4,000

Financial activities ................................................ 1,500 1,500 2,000 2,500 3,000

Finance and insurance .................................... 1,500 1,500 2,000 2,500 3,000

Credit intermediation and related activities .. 1,500 1,500 2,000 2,500 3,000

Insurance carriers and related activities ...... 1,500 1,500 2,000 2,500 3,000

Professional and business services ..................... 1,500 1,500 2,000 2,500 4,000

Education and health services ............................. 1,500 1,500 2,000 2,500 3,000

Educational services ........................................ 1,500 2,000 – 3,000 3,000

Junior colleges, colleges, and universities ... 1,500 – 2,000 2,500 –

Health care and social assistance ................... 1,500 1,500 2,000 2,500 3,000

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

 Amount of annual individual deductible, private

industry workers, 2015—continued

(Includes workers participating in high deductible health plans)

Characteristics

Amount of annual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ $1,500 $1,500 $2,000 $3,000 $5,000

50 to 99 workers .................................................. 1,500 1,750 2,500 4,000 5,000

100 workers or more ................................................ 1,500 1,500 2,000 2,750 3,000

100 to 499 workers .............................................. 1,500 1,500 2,000 2,750 3,500

500 workers or more ............................................ 1,300 1,500 1,600 2,000 2,750

Geographic areas

Northeast ................................................................. 1,500 1,500 2,000 2,500 3,000

New England ....................................................... 1,500 1,500 2,000 2,500 3,000

Middle Atlantic ..................................................... 1,500 1,500 2,000 2,000 3,000

South ....................................................................... 1,500 1,750 2,250 3,000 5,000

South Atlantic ....................................................... 1,500 1,750 2,500 3,000 5,000

East South Central ............................................... 1,500 – 2,500 3,000 5,000

West South Central .............................................. 1,500 1,750 2,000 3,000 5,000

Midwest .................................................................... 1,500 1,500 2,000 2,500 3,000

East North Central ............................................... 1,500 1,500 2,000 2,750 –

West North Central .............................................. 1,500 1,500 2,000 2,500 3,000

West ......................................................................... 1,500 1,500 2,000 2,750 3,500

Mountain .............................................................. 1,500 1,500 1,750 2,500 3,000

Pacific .................................................................. 1,500 1,500 2,000 3,000 4,000

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

plan. An individual plan must have a minimum deductible of $1,300 to be classified as a HDHP. Normally the plan includes catastrophic

coverage to protect against large medical expenses, but the insured is responsible for routine out-of-pocket expenses. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers

with earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the

National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 6. Standard errors for high deductible health plans:1

 Amount of annual individual

deductible, private industry workers, 2015

Characteristics

Amount of annual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... $0 $0 $0 $0 $428

Management, professional, and related .................. 9 0 0 0 0

Management, business, and financial ................. 0 0 0 142 1,049

Professional and related ...................................... 104 0 72 39 84

Service ..................................................................... 45 0 321 334 970

Sales and office ....................................................... 0 0 0 0 795

Sales and related ................................................. 0 236 314 201 258

Office and administrative support ........................ 0 211 0 102 0

Natural resources, construction, and maintenance 0 0 117 95 695

Installation, maintenance, and repair ................... 0 0 125 199 1,268

Production, transportation, and material moving ..... 0 65 241 383 0

Production ............................................................ 0 0 193 794 0

Transportation and material moving .................... 0 353 459 223 –

Full time ................................................................... 0 0 0 35 289

Part time .................................................................. 163 0 0 0 0

Union ....................................................................... 9 0 91 79 129

Nonunion ................................................................. 0 0 0 9 341

Average wage within the following categories2:

Second 25 percent ............................................... 0 9 0 289 353

Third 25 percent ................................................... 0 0 0 197 341

Highest 25 percent ............................................... 0 0 99 0 717

Highest 10 percent ........................................... 13 0 203 91 49

Establishment characteristics

Goods-producing industries ..................................... 0 0 0 364 0

Manufacturing ...................................................... 0 0 0 678 0

Service-providing industries ..................................... 0 0 0 56 560

Trade, transportation, and utilities ....................... 0 0 18 102 826

Retail trade ...................................................... 16 0 0 341 1,168

Financial activities ................................................ 0 0 0 0 0

Finance and insurance .................................... 0 0 0 0 0

Credit intermediation and related activities .. 0 0 0 0 0

Insurance carriers and related activities ...... 0 0 39 61 0

Professional and business services ..................... 0 0 55 0 1,048

Education and health services ............................. 0 32 0 163 474

Educational services ........................................ 0 194 – 513 0

Junior colleges, colleges, and universities ... 0 – 438 526 –

Health care and social assistance ................... 0 26 26 85 758

See footnotes at end of table.
Table 6. Standard errors for high deductible health plans:1

 Amount of annual individual

deductible, private industry workers, 2015—continued

Characteristics

Amount of annual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ $0 $46 $0 $295 $816

50 to 99 workers .................................................. 0 328 376 562 0

100 workers or more ................................................ 0 0 0 35 454

100 to 499 workers .............................................. 0 64 36 209 274

500 workers or more ............................................ 22 0 143 332 113

Geographic areas

Northeast ................................................................. 0 0 103 497 160

New England ....................................................... 0 0 386 0 400

Middle Atlantic ..................................................... 0 0 109 337 243

South ....................................................................... 0 9 455 72 0

South Atlantic ....................................................... 0 109 278 418 0

East South Central ............................................... 0 – 702 0 1,499

West South Central .............................................. 0 308 46 223 447

Midwest .................................................................... 0 0 0 235 182

East North Central ............................................... 0 0 0 273 –

West North Central .............................................. 0 244 0 0 121

West ......................................................................... 0 0 87 298 727

Mountain .............................................................. 0 0 248 309 367

Pacific .................................................................. 0 0 32 319 624

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 $1,300 to be classified as a HDHP. Normally the plan includes catastrophic

coverage to protect against large medical expenses, but the insured is responsible for routine out-of-pocket expenses. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers

with earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the

National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 7. Nonhigh deductible health plans: Summary of selected

tax-favored accounts,1

 private industry workers, 2015

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

Characteristics

Health

reimbursement

arrangement2

Flexible spending

account3

Worker characteristics

All workers ............................................................... 8 59

Management, professional, and related .................. 10 67

Management, business, and financial ................. 7 67

Professional and related ...................................... 12 68

Service ..................................................................... – 55

Sales and office ....................................................... 6 57

Sales and related ................................................. 7 –

Office and administrative support ........................ 6 61

Natural resources, construction, and maintenance 14 37

Installation, maintenance, and repair ................... – 49

Production, transportation, and material moving ..... – 64

Production ............................................................ – 58

Transportation and material moving .................... – 70

Full time ................................................................... 8 60

Part time .................................................................. 10 –

Union ....................................................................... 16 55

Nonunion ................................................................. 6 60

Average wage within the following categories4:

Second 25 percent ............................................... 7 55

Third 25 percent ................................................... 7 58

Highest 25 percent ............................................... 10 67

Highest 10 percent ........................................... 8 70

Establishment characteristics

Goods-producing industries ..................................... 8 49

Manufacturing ...................................................... – 62

Service-providing industries ..................................... 8 63

Trade, transportation, and utilities ....................... 11 58

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

Transportation and warehousing ..................... – 78

Information ........................................................... – 88

Financial activities ................................................ 7 67

Finance and insurance .................................... 9 79

Credit intermediation and related activities .. – 73

Insurance carriers and related activities ...... 9 82

Professional and business services ..................... – 66

Professional and technical services ................. – 75

Education and health services ............................. 12 66

Educational services ........................................ – 73

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

Health care and social assistance ................... 14 65

Other services ...................................................... – 42

See footnotes at end of table.
Table 7. Nonhigh deductible health plans: Summary of selected

tax-favored accounts,1

 private industry workers, 2015—continued

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

Characteristics

Health

reimbursement

arrangement2

Flexible spending

account3

1 to 99 workers ........................................................ 8 44

50 to 99 workers .................................................. 11 47

100 workers or more ................................................ 8 72

100 to 499 workers .............................................. 6 64

500 workers or more ............................................ 10 80

Geographic areas

Northeast ................................................................. 8 56

New England ....................................................... – 71

Middle Atlantic ..................................................... – 51

South ....................................................................... 7 66

South Atlantic ....................................................... 11 65

East South Central ............................................... 6 68

West South Central .............................................. – 65

Midwest .................................................................... 13 55

East North Central ............................................... 11 53

West North Central .............................................. 17 59

West ......................................................................... 5 57

Mountain .............................................................. – 66

Pacific .................................................................. 7 53

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

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

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

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

taxes. Any funds not used by the end of the plan year are forfeited by the employee. 4 Surveyed occupations are classified into wage categories based on the average wage for the

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

were formed using percentile estimates generated using data from the National Compensation Survey

publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 7. Standard errors for nonhigh deductible health plans:

Summary of selected tax-favored accounts, private industry

workers, 2015

Characteristics

Health

reimbursement

arrangement1

Flexible spending

account2

Worker characteristics

All workers ............................................................... 0.8 2.1

Management, professional, and related .................. 1.4 3.3

Management, business, and financial ................. 1.4 3.1

Professional and related ...................................... 2.1 4.3

Service ..................................................................... – 4.8

Sales and office ....................................................... 0.8 3.6

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

Office and administrative support ........................ 1.1 3.9

Natural resources, construction, and maintenance 3.0 2.9

Installation, maintenance, and repair ................... – 5.0

Production, transportation, and material moving ..... – 3.3

Production ............................................................ – 4.3

Transportation and material moving .................... – 4.3

Full time ................................................................... 0.9 2.2

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

Union ....................................................................... 3.6 4.4

Nonunion ................................................................. 0.7 2.5

Average wage within the following categories3:

Second 25 percent ............................................... 1.1 3.7

Third 25 percent ................................................... 1.4 2.8

Highest 25 percent ............................................... 1.4 2.8

Highest 10 percent ........................................... 1.4 4.5

Establishment characteristics

Goods-producing industries ..................................... 1.6 3.3

Manufacturing ...................................................... – 4.1

Service-providing industries ..................................... 1.0 2.6

Trade, transportation, and utilities ....................... 1.8 2.7

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

Transportation and warehousing ..................... – 8.0

Information ........................................................... – 4.6

Financial activities ................................................ 1.6 4.2

Finance and insurance .................................... 1.9 2.5

Credit intermediation and related activities .. – 5.1

Insurance carriers and related activities ...... 2.8 2.9

Professional and business services ..................... – 7.4

Professional and technical services ................. – 10.0

Education and health services ............................. 2.7 4.8

Educational services ........................................ – 5.7

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

Health care and social assistance ................... 3.2 5.8

Other services ...................................................... – 10.5

See footnotes at end of table.
Table 7. Standard errors for nonhigh deductible health plans:

Summary of selected tax-favored accounts, private industry

workers, 2015—continued

Characteristics

Health

reimbursement

arrangement1

Flexible spending

account2

1 to 99 workers ........................................................ 1.2 3.7

50 to 99 workers .................................................. 2.1 7.4

100 workers or more ................................................ 1.2 1.9

100 to 499 workers .............................................. 1.8 2.6

500 workers or more ............................................ 1.7 2.8

Geographic areas

Northeast ................................................................. 2.0 5.5

New England ....................................................... – 8.3

Middle Atlantic ..................................................... – 6.8

South ....................................................................... 1.4 2.8

South Atlantic ....................................................... 2.6 3.2

East South Central ............................................... 0.8 7.0

West South Central .............................................. – 5.9

Midwest .................................................................... 2.4 4.2

East North Central ............................................... 3.2 5.2

West North Central .............................................. 3.1 6.9

West ......................................................................... 0.9 5.1

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

Pacific .................................................................. 1.2 6.8

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

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

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

taxes. Any funds not used by the end of the plan year are forfeited by the employee. 3 Surveyed occupations are classified into wage categories based on the average wage for the

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

were formed using percentile estimates generated using data from the National Compensation Survey

publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 8. Nonhigh deductible health plans: Amount of annual individual deductible, private industry workers, 2015

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

Characteristics With

deductible

Amount of annual deductible

With no

10th deductible

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 79 $250 $300 $500 $1,000 $1,000 21

Management, professional, and related .................. 80 250 300 500 1,000 1,000 20

Management, business, and financial ................. 82 – 350 500 1,000 1,000 18

Professional and related ...................................... 79 250 300 500 1,000 1,000 21

Service ..................................................................... 74 – 250 500 1,000 1,000 26

Sales and office ....................................................... 81 250 350 600 1,000 1,100 19

Sales and related ................................................. 77 – – 750 1,000 1,100 23

Office and administrative support ........................ 83 250 350 500 1,000 1,100 17

Natural resources, construction, and maintenance 81 200 250 450 – 1,000 19

Installation, maintenance, and repair ................... 82 250 300 500 – 1,000 18

Production, transportation, and material moving ..... 78 250 300 500 – 1,000 22

Production ............................................................ 83 250 – 500 – 1,000 17

Transportation and material moving .................... 73 – 250 500 750 1,000 27

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

Part time .................................................................. 71 250 300 500 1,000 1,000 29

Union ....................................................................... 77 – 200 300 – 1,000 23

Nonunion ................................................................. 80 250 350 500 1,000 1,000 20

Average wage within the following categories1:

Second 25 percent ............................................... 78 200 300 500 1,000 1,000 22

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

Highest 25 percent ............................................... 80 – 300 500 1,000 1,000 20

Highest 10 percent ........................................... 79 250 300 500 1,000 1,000 21

Establishment characteristics

Goods-producing industries ..................................... 82 250 300 500 – 1,000 18

Manufacturing ...................................................... 84 250 – 500 1,000 1,000 16

Service-providing industries ..................................... 79 200 300 500 1,000 1,000 21

Trade, transportation, and utilities ....................... 80 200 – 500 800 1,000 20

Retail trade ...................................................... 81 – 350 500 950 1,000 19

Transportation and warehousing ..................... 74 – 250 – 500 1,000 26

Information ........................................................... 80 200 – 500 600 1,100 20

Financial activities ................................................ 90 300 500 700 1,000 1,100 10

Finance and insurance .................................... 89 250 500 600 1,000 1,100 11

Credit intermediation and related activities .. 90 300 450 – 1,000 1,200 10

Insurance carriers and related activities ...... 91 250 500 750 1,000 1,100 9

Professional and business services ..................... 76 250 – – 1,000 1,200 24

Professional and technical services ................. 70 250 – – 1,000 1,100 30

Education and health services ............................. 74 250 300 500 1,000 1,000 26

Educational services ........................................ 69 250 250 – – – 31

Junior colleges, colleges, and universities ... 72 200 250 – – 1,000 28

Health care and social assistance ................... 75 250 – – 1,000 1,000 25

See footnotes at end of table.
Table 8. Nonhigh deductible health plans: Amount of annual individual deductible, private industry workers,

2015—continued

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

Characteristics With

deductible

Amount of annual deductible

With no

10th deductible

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 79 $250 $350 $500 $1,000 $1,000 21

50 to 99 workers .................................................. 82 – – – 1,000 1,100 18

100 workers or more ................................................ 80 200 250 500 – 1,000 20

100 to 499 workers .............................................. 78 – 300 500 1,000 1,000 22

500 workers or more ............................................ 81 200 250 500 750 1,000 19

Geographic areas

Northeast ................................................................. 81 250 350 500 1,000 1,000 19

New England ....................................................... 82 250 500 500 1,000 1,000 18

Middle Atlantic ..................................................... 80 250 – 500 1,000 1,000 20

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

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

East South Central ............................................... 86 – 500 750 1,000 1,100 14

Midwest .................................................................... 84 250 350 500 1,000 1,000 16

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

West North Central .............................................. 83 250 450 500 1,000 1,000 17

West ......................................................................... 70 250 250 500 1,000 1,000 30

Mountain .............................................................. 77 – 250 – 1,000 1,000 23

Pacific .................................................................. 67 250 300 500 1,000 1,000 33

1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the

threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee

Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 8. Standard errors for nonhigh deductible health plans: Amount of annual individual deductible, private

industry workers, 2015

Characteristics With

deductible

Amount of annual deductible

With no

10th deductible

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 1.1 $55 $0 $0 $0 $0 1.1

Management, professional, and related .................. 1.9 0 74 65 0 0 1.9

Management, business, and financial ................. 2.5 – 61 49 0 147 2.5

Professional and related ...................................... 2.6 0 90 103 0 0 2.6

Service ..................................................................... 5.6 – 34 67 142 0 5.6

Sales and office ....................................................... 2.2 0 27 108 0 0 2.2

Sales and related ................................................. 4.5 – – 174 9 122 4.5

Office and administrative support ........................ 2.3 0 55 97 0 18 2.3

Natural resources, construction, and maintenance 4.4 0 9 97 – 0 4.4

Installation, maintenance, and repair ................... 4.8 36 88 0 – 0 4.8

Production, transportation, and material moving ..... 3.0 31 16 0 – 0 3.0

Production ............................................................ 3.0 0 – 0 – 0 3.0

Transportation and material moving .................... 4.7 – 35 0 172 0 4.7

Full time ................................................................... 1.3 – 0 0 0 0 1.3

Part time .................................................................. 5.1 18 38 68 109 0 5.1

Union ....................................................................... 2.9 – 56 75 – 0 2.9

Nonunion ................................................................. 1.2 0 57 18 0 0 1.2

Average wage within the following categories1:

Second 25 percent ............................................... 2.9 52 9 0 0 18 2.9

Third 25 percent ................................................... 2.2 21 33 18 0 0 2.2

Highest 25 percent ............................................... 1.6 – 0 0 0 0 1.6

Highest 10 percent ........................................... 2.9 53 9 0 0 84 2.9

Establishment characteristics

Goods-producing industries ..................................... 3.2 5 9 0 – 0 3.2

Manufacturing ...................................................... 2.5 0 – 0 190 0 2.5

Service-providing industries ..................................... 1.1 48 0 0 0 0 1.1

Trade, transportation, and utilities ....................... 1.9 49 – 0 106 0 1.9

Retail trade ...................................................... 3.5 – 26 115 239 0 3.5

Transportation and warehousing ..................... 6.1 – 18 – 144 184 6.1

Information ........................................................... 3.5 0 – 60 130 134 3.5

Financial activities ................................................ 1.9 14 67 141 0 97 1.9

Finance and insurance .................................... 1.5 49 50 44 0 115 1.5

Credit intermediation and related activities .. 2.7 34 65 – 0 237 2.7

Insurance carriers and related activities ...... 2.6 20 44 67 0 117 2.6

Professional and business services ..................... 3.7 52 – – 120 16 3.7

Professional and technical services ................. 5.3 0 – – 0 141 5.3

Education and health services ............................. 2.8 0 57 125 0 0 2.8

Educational services ........................................ 4.4 0 0 – – – 4.4

Junior colleges, colleges, and universities ... 2.8 13 0 – – 0 2.8

Health care and social assistance ................... 3.2 44 – – 0 0 3.2

See footnotes at end of table.
Table 8. Standard errors for nonhigh deductible health plans: Amount of annual individual deductible, private

industry workers, 2015—continued

Characteristics With

deductible

Amount of annual deductible

With no

10th deductible

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 2.1 $0 $81 $74 $0 $0 2.1

50 to 99 workers .................................................. 4.2 – – – 0 112 4.2

100 workers or more ................................................ 1.8 5 70 0 – 0 1.8

100 to 499 workers .............................................. 2.6 – 53 0 148 0 2.6

500 workers or more ............................................ 2.3 32 52 0 55 0 2.3

Geographic areas

Northeast ................................................................. 2.1 48 80 0 0 0 2.1

New England ....................................................... 2.2 0 78 27 108 0 2.2

Middle Atlantic ..................................................... 2.6 71 – 0 0 18 2.6

South ....................................................................... 2.4 9 59 0 0 91 2.4

South Atlantic ....................................................... 1.9 0 53 0 9 133 1.9

East South Central ............................................... 2.4 – 0 0 0 141 2.4

Midwest .................................................................... 1.8 0 64 13 0 0 1.8

East North Central ............................................... 2.4 0 72 49 9 0 2.4

West North Central .............................................. 2.2 20 117 0 41 0 2.2

West ......................................................................... 2.2 31 57 26 90 0 2.2

Mountain .............................................................. 4.4 – 32 – 164 0 4.4

Pacific .................................................................. 2.7 0 59 0 133 0 2.7

1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the

threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee

Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 9. Mental health care treatment benefits: Coverage

for selected services,1

 private industry workers, 2015

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

Characteristics

Inpatient

mental health

care

Outpatient

mental health

care

Worker characteristics

All workers ............................................................... 81 80

Service ..................................................................... 82 80

Sales and office ....................................................... 80 80

Sales and related ................................................. 82 82

Natural resources, construction, and maintenance 82 84

Installation, maintenance, and repair ................... – 83

Production, transportation, and material moving ..... 83 83

Production ............................................................ 81 81

Transportation and material moving .................... 86 86

Full time ................................................................... 80 –

Part time .................................................................. 88 89

Union ....................................................................... 85 85

Average wage within the following categories2:

Second 25 percent ............................................... 81 81

Third 25 percent ................................................... 81 82

Highest 25 percent:

Highest 10 percent ......................................... 81 –

Establishment characteristics

Service-providing industries ..................................... 82 81

Trade, transportation, and utilities ....................... 84 85

Retail trade ...................................................... 81 81

Financial activities:

Finance and insurance:

Insurance carriers and related activities .... 82 –

Professional and business services ..................... 90 90

Education and health services:

Educational services ...................................... 85 82

Junior colleges, colleges, and universities ... 91 90

1 to 99 workers ........................................................ 82 81

100 workers or more:

500 workers or more .......................................... 81 81

Geographic areas

Northeast ................................................................. 84 82

New England ....................................................... 82 –

Middle Atlantic ..................................................... 84 83

South ....................................................................... 81 –

East South Central ............................................... 84 84

West South Central .............................................. 83 82

Midwest:

West North Central .............................................. 82 82

West ......................................................................... 81 81

Mountain .............................................................. 86 84

1 The remaining workers include both workers not receiving the benefit and workers for

whom the availability of the benefit could not be determined. 2 Surveyed occupations are classified into wage categories based on the average wage for

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

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

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 9. Standard errors for mental health care treatment

benefits: Coverage for selected services,1

 private industry

workers, 2015

Characteristics

Inpatient

mental health

care

Outpatient

mental health

care

Worker characteristics

All workers ............................................................... 1.1 1.1

Service ..................................................................... 3.2 3.4

Sales and office ....................................................... 1.5 1.6

Sales and related ................................................. 2.2 2.2

Natural resources, construction, and maintenance 2.1 1.9

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

Production, transportation, and material moving ..... 2.2 2.3

Production ............................................................ 3.0 3.1

Transportation and material moving .................... 2.9 2.9

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

Part time .................................................................. 2.2 2.2

Union ....................................................................... 3.8 3.9

Average wage within the following categories2:

Second 25 percent ............................................... 1.8 1.8

Third 25 percent ................................................... 1.2 1.4

Highest 25 percent:

Highest 10 percent ......................................... 2.4 –

Establishment characteristics

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

Trade, transportation, and utilities ....................... 1.3 1.3

Retail trade ...................................................... 1.5 1.5

Financial activities:

Finance and insurance:

Insurance carriers and related activities .... 3.4 –

Professional and business services ..................... 3.1 3.1

Education and health services:

Educational services ...................................... 4.6 4.2

Junior colleges, colleges, and universities ... 2.6 2.6

1 to 99 workers ........................................................ 1.5 1.6

100 workers or more:

500 workers or more .......................................... 1.7 1.9

Geographic areas

Northeast ................................................................. 2.2 2.2

New England ....................................................... 4.3 –

Middle Atlantic ..................................................... 2.5 2.4

South ....................................................................... 1.9 –

East South Central ............................................... 5.1 5.1

West South Central .............................................. 2.0 1.9

Midwest:

West North Central .............................................. 3.1 2.9

West ......................................................................... 2.6 2.4

Mountain .............................................................. 3.8 3.9

1 The remaining workers include both workers not receiving the benefit and workers for

whom the availability of the benefit could not be determined. 2 Surveyed occupations are classified into wage categories based on the average wage for

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

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

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 10. Medical care benefits: Coverage for selected services,1

 private industry

workers, 2015

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

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Worker characteristics

All workers ............................................................... 97 93 93 100

Management, professional, and related .................. 97 93 93 100

Management, business, and financial ................. 96 92 92 100

Professional and related ...................................... 98 93 93 100

Service ..................................................................... 95 94 94 99

Sales and office ....................................................... 96 91 92 100

Sales and related ................................................. 96 94 95 100

Office and administrative support ........................ 97 90 90 100

Natural resources, construction, and maintenance 99 94 94 100

Installation, maintenance, and repair ................... 100 92 92 100

Production, transportation, and material moving ..... 98 95 95 100

Production ............................................................ 98 94 94 100

Transportation and material moving .................... 98 95 96 100

Full time ................................................................... 97 93 93 100

Part time .................................................................. 99 97 97 99

Union ....................................................................... 98 96 96 99

Nonunion ................................................................. 97 92 93 100

Average wage within the following categories2:

Second 25 percent ............................................... 97 94 94 100

Third 25 percent ................................................... 98 92 92 100

Highest 25 percent ............................................... 97 93 93 100

Highest 10 percent ........................................... 98 94 94 99

Establishment characteristics

Goods-producing industries ..................................... 96 90 90 100

Manufacturing ...................................................... 95 90 90 100

Service-providing industries ..................................... 97 94 94 100

Trade, transportation, and utilities ....................... 98 95 96 100

Retail trade ...................................................... 98 95 96 100

Financial activities ................................................ 98 90 90 100

Finance and insurance .................................... 98 87 87 100

Credit intermediation and related activities .. 99 84 84 100

Insurance carriers and related activities ...... 99 96 96 99

Professional and business services ..................... 99 95 94 100

Education and health services ............................. 96 94 94 99

Educational services ........................................ 100 98 99 100

Junior colleges, colleges, and universities ... 99 96 98 100

Health care and social assistance ................... 95 93 93 99

See footnotes at end of table.
Table 10. Medical care benefits: Coverage for selected services,1

 private industry

workers, 2015—continued

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

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

1 to 99 workers ........................................................ 98 91 92 100

50 to 99 workers .................................................. 98 88 89 100

100 workers or more ................................................ 96 94 94 100

100 to 499 workers .............................................. 97 95 95 100

500 workers or more ............................................ 96 93 92 99

Geographic areas

Northeast ................................................................. 98 94 94 99

New England ....................................................... 99 97 98 100

Middle Atlantic ..................................................... 98 93 92 99

South ....................................................................... 98 93 94 100

South Atlantic ....................................................... 97 94 94 100

East South Central ............................................... 97 92 92 100

West South Central .............................................. 99 93 94 100

Midwest .................................................................... 95 92 92 100

East North Central ............................................... 95 91 92 100

West North Central .............................................. 97 93 93 100

West ......................................................................... 97 92 93 100

Mountain .............................................................. 97 96 96 100

Pacific .................................................................. 96 91 92 99

1 The remaining workers include both workers not receiving the benefit and workers for whom the availability of the benefit

could not be determined. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include

workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using

data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 10. Standard errors for medical care benefits: Coverage for selected

services,1

 private industry workers, 2015

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Worker characteristics

All workers ............................................................... 0.5 0.7 0.7 0.1

Management, professional, and related .................. 0.8 1.3 1.3 0.2

Management, business, and financial ................. 1.2 1.3 1.3 0.2

Professional and related ...................................... 0.7 1.9 1.9 0.2

Service ..................................................................... 1.6 1.7 1.6 0.3

Sales and office ....................................................... 0.8 1.1 1.1 0.1

Sales and related ................................................. 1.6 1.7 1.6 0.1

Office and administrative support ........................ 0.9 1.4 1.4 0.1

Natural resources, construction, and maintenance 0.6 1.4 1.4 0.1

Installation, maintenance, and repair ................... 0.1 2.4 2.3 0.1

Production, transportation, and material moving ..... 1.0 1.3 1.3 2 ( )

Production ............................................................ 1.2 1.8 1.8 2 ( )

Transportation and material moving .................... 1.0 1.8 1.8 2 ( )

Full time ................................................................... 0.5 0.7 0.7 0.1

Part time .................................................................. 0.4 0.8 0.8 0.4

Union ....................................................................... 0.9 1.3 1.2 0.5

Nonunion ................................................................. 0.5 0.8 0.8 0.1

Average wage within the following categories3:

Second 25 percent ............................................... 0.8 0.9 1.0 0.1

Third 25 percent ................................................... 0.5 1.1 1.0 0.1

Highest 25 percent ............................................... 0.8 1.3 1.3 0.2

Highest 10 percent ........................................... 0.7 1.9 1.9 0.4

Establishment characteristics

Goods-producing industries ..................................... 1.3 1.4 1.4 0.2

Manufacturing ...................................................... 1.7 1.7 1.8 0.2

Service-providing industries ..................................... 0.5 0.8 0.8 0.1

Trade, transportation, and utilities ....................... 0.6 1.0 0.9 2 ( )

Retail trade ...................................................... 1.1 0.7 0.8 2 ( )

Financial activities ................................................ 0.5 1.6 1.6 0.3

Finance and insurance .................................... 0.6 1.8 1.8 0.4

Credit intermediation and related activities .. 0.3 3.1 3.1 2 ( )

Insurance carriers and related activities ...... 0.5 1.6 1.6 1.1

Professional and business services ..................... 0.7 2.7 2.6 2 ( )

Education and health services ............................. 1.2 1.2 1.4 0.4

Educational services ........................................ 0.1 1.3 0.5 2 ( )

Junior colleges, colleges, and universities ... 0.2 2.5 0.9 2 ( )

Health care and social assistance ................... 1.4 1.4 1.6 0.5

See footnotes at end of table.
Table 10. Standard errors for medical care benefits: Coverage for selected

services,1

 private industry workers, 2015—continued

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

1 to 99 workers ........................................................ 0.7 1.3 1.3 2 ( )

50 to 99 workers .................................................. 1.7 3.1 3.0 2 ( )

100 workers or more ................................................ 0.6 0.7 0.7 0.2

100 to 499 workers .............................................. 0.7 0.9 0.9 0.2

500 workers or more ............................................ 0.7 1.2 1.3 0.3

Geographic areas

Northeast ................................................................. 0.4 1.4 1.3 0.3

New England ....................................................... 0.9 1.0 1.0 2 ( )

Middle Atlantic ..................................................... 0.4 1.9 1.7 0.4

South ....................................................................... 0.7 1.1 1.1 0.1

South Atlantic ....................................................... 1.0 1.4 1.4 2 ( )

East South Central ............................................... 3.0 3.6 3.6 0.2

West South Central .............................................. 0.4 1.9 1.9 0.1

Midwest .................................................................... 1.3 1.1 1.0 2 ( )

East North Central ............................................... 1.8 1.5 1.4 2 ( )

West North Central .............................................. 1.4 1.5 1.3 2 ( )

West ......................................................................... 1.0 1.9 2.0 0.3

Mountain .............................................................. 1.7 1.9 1.9 2 ( )

Pacific .................................................................. 1.3 2.7 2.8 0.4

1 The remaining workers include both workers not receiving the benefit and workers for whom the availability of the benefit

could not be determined. 2 Less than 0.05. 3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include

workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using

data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 11. Medical care benefits: Median copayment per visit for selected services by type of plan, private industry workers,

2015

(Includes all workers participating in plans with specified copayments)

Characteristics

Hospital room and board Physician office visit Outpatient surgery

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

Worker characteristics

All workers ............................................................... $250 $200 – $25 $25 $25 – $100 –

Management, professional, and related .................. 250 200 – 20 20 20 – – $65

Management, business, and financial ................. 250 200 $250 – 20 25 – – –

Professional and related ...................................... 250 200 500 20 – 20 $65 – 65

Service ..................................................................... 250 200 – 25 25 20 – 100 –

Sales and office ....................................................... 250 250 500 25 25 25 100 – –

Sales and related ................................................. 250 250 500 25 25 20 – – 150

Office and administrative support ........................ 250 250 500 25 25 25 – – –

Natural resources, construction, and maintenance 250 250 250 20 20 20 100 100 –

Installation, maintenance, and repair ................... 250 250 250 25 25 20 – 150 –

Production, transportation, and material moving ..... 250 250 – 25 25 30 – – –

Production ............................................................ 250 250 – 25 25 30 – – –

Transportation and material moving .................... 250 – – 20 20 25 200 – –

Full time ................................................................... 250 250 – 25 25 25 – 100 –

Part time .................................................................. 200 200 500 20 20 20 – 100 –

Union ....................................................................... 250 200 – 20 20 25 100 100 –

Nonunion ................................................................. 250 250 – 25 25 – – 100 –

Average wage within the following categories1:

Second 25 percent ............................................... 250 250 – 25 25 20 – 100 –

Third 25 percent ................................................... 250 200 – 25 25 25 100 100 –

Highest 25 percent ............................................... 250 200 500 20 20 25 – – –

Highest 10 percent ........................................... 250 200 – 20 20 20 – – –

Establishment characteristics

Goods-producing industries ..................................... 250 250 – 25 25 25 – 100 –

Manufacturing ...................................................... 250 250 – 25 25 30 – – 20

Service-providing industries ..................................... 250 200 – 25 25 – – – –

Trade, transportation, and utilities ....................... 250 200 500 25 25 25 150 150 150

Retail trade ...................................................... 200 200 500 25 25 20 150 – 150

Financial activities ................................................ 250 250 – 25 25 25 – – 150

Finance and insurance .................................... 300 300 500 25 25 25 – 30 150

Credit intermediation and related activities .. 300 300 500 25 25 30 – – –

Insurance carriers and related activities ...... – – 500 20 20 20 – – –

Professional and business services ..................... – – – 25 25 40 65 – 65

Education and health services ............................. 250 200 500 20 25 20 – – –

Educational services ........................................ – – – 20 20 20 – – –

Junior colleges, colleges, and universities ... 250 250 250 20 20 20 – – –

Health care and social assistance ................... 250 200 – – 25 20 – – 20

See footnotes at end of table.
Table 11. Medical care benefits: Median copayment per visit for selected services by type of plan, private industry workers,

2015—continued

(Includes all workers participating in plans with specified copayments)

Characteristics

Hospital room and board Physician office visit Outpatient surgery

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

1 to 99 workers ........................................................ $250 $200 – $25 $25 $25 – – $65

50 to 99 workers .................................................. 250 250 – 25 25 25 – – –

100 workers or more ................................................ 250 – – 20 20 – – – 100

100 to 499 workers .............................................. 250 250 – 25 25 25 $100 – 100

500 workers or more ............................................ 250 – – 20 20 20 50 – –

Geographic areas

Northeast ................................................................. 250 250 $500 20 20 25 100 – 125

New England ....................................................... – 250 500 20 20 25 – – –

Middle Atlantic ..................................................... 250 250 500 20 20 25 100 – 125

South ....................................................................... 250 250 – 25 25 25 100 $100 –

South Atlantic ....................................................... 250 – – 25 25 20 – – 65

East South Central ............................................... 250 250 – 25 25 25 – – –

West South Central .............................................. 250 300 – 25 25 25 100 100 –

Midwest .................................................................... 250 250 500 25 25 30 – – –

East North Central ............................................... 250 250 500 25 25 35 – – –

West North Central .............................................. 250 250 – 25 25 – – – 150

West ......................................................................... 250 – – 20 20 20 20 – –

Mountain .............................................................. – – – 25 25 20 – – –

Pacific .................................................................. 250 200 – 20 20 20 20 20 –

1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 11. Standard errors for medical care benefits: Median copayment per visit for selected services by type of plan, private

industry workers, 2015

Characteristics

Hospital room and board Physician office visit Outpatient surgery

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

Worker characteristics

All workers ............................................................... $0 $53 – $1 $1 $5 – $19 –

Management, professional, and related .................. 0 0 – 5 6 6 – – $18

Management, business, and financial ................. 55 16 $0 – 4 3 – – –

Professional and related ...................................... 0 9 0 5 – 2 $19 – 15

Service ..................................................................... 18 33 – 4 2 5 – 16 –

Sales and office ....................................................... 16 30 0 0 0 6 29 – –

Sales and related ................................................. 34 51 0 0 0 1 – – 36

Office and administrative support ........................ 34 34 0 0 0 2 – – –

Natural resources, construction, and maintenance 13 13 30 4 5 5 20 0 –

Installation, maintenance, and repair ................... 9 0 65 1 0 6 – 29 –

Production, transportation, and material moving ..... 0 13 – 0 2 5 – – –

Production ............................................................ 0 0 – 1 0 2 – – –

Transportation and material moving .................... 0 – – 0 0 4 59 – –

Full time ................................................................... 0 61 – 0 1 1 – 24 –

Part time .................................................................. 9 0 129 0 3 1 – 0 –

Union ....................................................................... 54 52 – 0 0 6 16 25 –

Nonunion ................................................................. 0 66 – 0 0 – – 25 –

Average wage within the following categories1:

Second 25 percent ............................................... 0 0 – 0 0 6 – 22 –

Third 25 percent ................................................... 0 56 – 0 0 0 5 20 –

Highest 25 percent ............................................... 0 0 100 3 1 0 – – –

Highest 10 percent ........................................... 42 13 – 0 0 1 – – –

Establishment characteristics

Goods-producing industries ..................................... 0 0 – 0 0 1 – 28 –

Manufacturing ...................................................... 0 0 – 0 0 4 – – 6

Service-providing industries ..................................... 0 0 – 3 2 – – – –

Trade, transportation, and utilities ....................... 0 44 36 0 0 0 0 0 0

Retail trade ...................................................... 38 9 0 0 0 2 0 – 42

Financial activities ................................................ 0 0 – 0 0 5 – – 30

Finance and insurance .................................... 53 55 65 1 3 0 – 7 16

Credit intermediation and related activities .. 24 64 65 0 0 4 – – –

Insurance carriers and related activities ...... – – 0 3 4 2 – – –

Professional and business services ..................... – – – 0 0 11 13 – 17

Education and health services ............................. 0 39 133 5 6 0 – – –

Educational services ........................................ – – – 0 0 0 – – –

Junior colleges, colleges, and universities ... 13 0 39 0 0 0 – – –

Health care and social assistance ................... 39 36 – – 5 0 – – 0

See footnotes at end of table.
Table 11. Standard errors for medical care benefits: Median copayment per visit for selected services by type of plan, private

industry workers, 2015—continued

Characteristics

Hospital room and board Physician office visit Outpatient surgery

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

1 to 99 workers ........................................................ $0 $57 – $0 $0 $5 – – $11

50 to 99 workers .................................................. 13 26 – 0 0 4 – – –

100 workers or more ................................................ 0 – – 5 5 – – – 21

100 to 499 workers .............................................. 0 26 – 2 2 5 $30 – 22

500 workers or more ............................................ 43 – – 0 0 0 12 – –

Geographic areas

Northeast ................................................................. 0 46 $0 2 0 0 0 – 36

New England ....................................................... – 38 0 0 0 7 – – –

Middle Atlantic ..................................................... 0 56 0 6 0 6 19 – 34

South ....................................................................... 0 0 – 0 0 6 29 $27 –

South Atlantic ....................................................... 16 – – 2 2 6 – – 4

East South Central ............................................... 0 0 – 0 0 5 – – –

West South Central .............................................. 65 49 – 0 0 4 0 7 –

Midwest .................................................................... 0 20 46 0 0 6 – – –

East North Central ............................................... 0 68 0 1 0 7 – – –

West North Central .............................................. 0 0 – 2 2 – – – 0

West ......................................................................... 72 – – 0 4 0 5 – –

Mountain .............................................................. – – – 4 0 0 – – –

Pacific .................................................................. 60 13 – 0 0 0 3 4 –

1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories were

formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 12. Hospital room and board benefits: Extent of coverage by type of

plan, private industry workers, 2015

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

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristics

All workers ............................................................... 6 91 – –

Management, professional, and related .................. 8 89 – –

Management, business, and financial ................. 4 92 – –

Professional and related ...................................... 11 87 – 2

Service ..................................................................... – 83 – 5

Sales and office ....................................................... 3 93 – –

Sales and related ................................................. – 95 – 4

Office and administrative support ........................ 4 92 – –

Natural resources, construction, and maintenance – 95 – 1

Installation, maintenance, and repair ................... – 95 – 2 ( )

Production, transportation, and material moving ..... 3 95 – –

Production ............................................................ – 96 – 2

Transportation and material moving .................... – 94 – 2

Full time ................................................................... 6 91 – –

Part time .................................................................. – 90 – 1

Union ....................................................................... 10 88 – –

Nonunion ................................................................. 6 91 – –

Average wage within the following categories3:

Second 25 percent ............................................... 6 91 – –

Third 25 percent ................................................... 5 93 – –

Highest 25 percent ............................................... 8 89 – –

Highest 10 percent ........................................... 7 90 – –

Establishment characteristics

Goods-producing industries ..................................... 3 93 – 4

Manufacturing ...................................................... – 92 – 5

Service-providing industries ..................................... 7 90 – –

Trade, transportation, and utilities ....................... 2 96 – –

Retail trade ...................................................... – 95 – 2

Financial activities ................................................ 4 94 – 2

Finance and insurance .................................... 4 94 – 2

Credit intermediation and related activities .. – 96 – 1

Insurance carriers and related activities ...... – 93 – 1

Professional and business services ..................... – 97 – 1

Education and health services ............................. 19 77 – 4

Educational services ........................................ 6 93 – 2 ( )

Junior colleges, colleges, and universities ... 9 91 – 1

Health care and social assistance ................... 21 74 – 5

See footnotes at end of table.
Table 12. Hospital room and board benefits: Extent of coverage by type of plan, private industry workers,

2015—continued

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

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristics

All workers ............................................................... 5 93 – – 14 82 – 4

Management, professional, and related .................. 7 91 – – 15 80 – 5

Management, business, and financial ................. – 94 – 3 10 81 – 9

Professional and related ...................................... 9 89 – 3 19 79 – 2

Service ..................................................................... – 85 – 5 – 74 – 4

Sales and office ....................................................... 2 95 – – – 81 – 7

Sales and related ................................................. – 97 – 2 – 78 – 13

Office and administrative support ........................ 3 94 – – – 82 – 5

Natural resources, construction, and maintenance – 95 – 1 – 94 – 2 ( )

Installation, maintenance, and repair ................... – 95 – 2 ( ) – 94 – 1

Production, transportation, and material moving ..... – 95 – 2 – 92 – 2 ( )

Production ............................................................ – 96 – 2 – 96 – 2 ( )

Transportation and material moving .................... – 95 – 2 – 87 – –

Full time ................................................................... 5 92 – – 12 83 – 4

Part time .................................................................. 5 94 – 1 – 63 – 2 ( )

Union ....................................................................... 10 89 – – 14 81 – 5

Nonunion ................................................................. 4 93 – – 14 82 – 4

Average wage within the following categories3:

Second 25 percent ............................................... 4 93 – – – 82 – 2

Third 25 percent ................................................... 4 93 – – 8 90 – 2

Highest 25 percent ............................................... 6 91 – – 16 79 – 6

Highest 10 percent ........................................... 5 93 – – – 75 – 1

Establishment characteristics

Goods-producing industries ..................................... – 94 – 4 11 82 – 7

Manufacturing ...................................................... – 94 – 4 – 82 – 10

Service-providing industries ..................................... 5 92 – – 15 82 – 3

Trade, transportation, and utilities ....................... – 97 – 1 – 86 – 6

Retail trade ...................................................... – 97 – 1 – 81 – 12

Financial activities ................................................ 3 95 – 2 – 90 – 4

Finance and insurance .................................... 3 95 – 2 – 90 – 2

Credit intermediation and related activities .. – 97 – 1 – 93 – –

Insurance carriers and related activities ...... – 93 – 1 – 84 – 1

Professional and business services ..................... – 98 – 1 – 93 – –

Education and health services ............................. 17 80 – 3 26 68 – 6

Educational services ........................................ 4 96 – – – 89 – 1

Junior colleges, colleges, and universities ... 7 93 – – 13 85 – 2

Health care and social assistance ................... 18 78 – 4 32 60 – 8

See footnotes at end of table.
Table 12. Hospital room and board benefits: Extent of coverage by type of

plan, private industry workers, 2015—continued

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

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

1 to 99 workers ........................................................ 5 92 – 2

50 to 99 workers .................................................. – 94 – 2

100 workers or more ................................................ 7 90 – –

100 to 499 workers .............................................. – 92 – 3

500 workers or more ............................................ 10 86 – 4

Geographic areas

Northeast ................................................................. 10 88 – 2

New England ....................................................... – 90 – 1

Middle Atlantic ..................................................... 11 88 – 2

South ....................................................................... – 96 – 2

South Atlantic ....................................................... 2 95 – 3

East South Central ............................................... – 96 – 3

West South Central .............................................. – 96 – 1

Midwest .................................................................... 4 91 – –

East North Central ............................................... – 91 – 5

West North Central .............................................. – 92 – 3

West ......................................................................... 11 85 – 3

Mountain .............................................................. – 93 – 3

Pacific .................................................................. 15 82 – 4

See footnotes at end of table.
Table 12. Hospital room and board benefits: Extent of coverage by type of plan, private industry workers,

2015—continued

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

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

1 to 99 workers ........................................................ 4 95 – 2 13 82 – 5

50 to 99 workers .................................................. – 97 – 1 – 77 – 10

100 workers or more ................................................ 5 91 – – 15 82 – 4

100 to 499 workers .............................................. 3 93 – – – 86 – 4

500 workers or more ............................................ 8 87 – 4 23 75 – 2

Geographic areas

Northeast ................................................................. 10 88 – 2 – 90 – 1

New England ....................................................... – 88 – 2 – 94 – –

Middle Atlantic ..................................................... 11 88 – 2 – 87 – 2

South ....................................................................... – 97 – 2 3 89 – 8

South Atlantic ....................................................... – 97 – 1 – 86 – 10

East South Central ............................................... – 96 – 3 – 96 – 1

West South Central .............................................. – 97 – 1 – 94 – 4

Midwest .................................................................... – 91 – 5 – 92 – 3

East North Central ............................................... – 90 – 6 – 93 – 4

West North Central .............................................. – 93 – 3 – 84 – –

West ......................................................................... 6 91 – 3 26 70 – 4

Mountain .............................................................. – 93 – 3 – 90 – –

Pacific .................................................................. – 89 – 3 30 65 – 5

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the participant pay a percentage of costs (coinsurance), or a requirement that the participant pay a

specific amount (deductible or copayment) before reimbursement begins or services are rendered. 2 Less than 0.5. 3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March

2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 12. Standard errors for hospital room and board benefits: Extent of

coverage by type of plan, private industry workers, 2015

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristics

All workers ............................................................... 0.5 0.7 – –

Management, professional, and related .................. 1.2 1.4 – –

Management, business, and financial ................. 1.0 1.5 – –

Professional and related ...................................... 1.8 1.9 – 0.7

Service ..................................................................... – 4.0 – 1.6

Sales and office ....................................................... 0.9 1.1 – –

Sales and related ................................................. – 1.7 – 1.6

Office and administrative support ........................ 1.3 1.4 – –

Natural resources, construction, and maintenance – 1.7 – 0.6

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

Production, transportation, and material moving ..... 0.9 1.4 – –

Production ............................................................ – 1.5 – 1.2

Transportation and material moving .................... – 1.9 – 0.9

Full time ................................................................... 0.6 0.8 – –

Part time .................................................................. – 3.4 – 0.4

Union ....................................................................... 1.9 2.1 – –

Nonunion ................................................................. 0.6 0.8 – –

Average wage within the following categories3:

Second 25 percent ............................................... 1.4 1.7 – –

Third 25 percent ................................................... 0.6 0.7 – –

Highest 25 percent ............................................... 1.2 1.4 – –

Highest 10 percent ........................................... 1.5 1.6 – –

Establishment characteristics

Goods-producing industries ..................................... 0.8 1.6 – 1.3

Manufacturing ...................................................... – 1.9 – 1.7

Service-providing industries ..................................... 0.7 0.8 – –

Trade, transportation, and utilities ....................... 0.6 0.9 – –

Retail trade ...................................................... – 1.4 – 1.1

Financial activities ................................................ 0.7 1.1 – 0.5

Finance and insurance .................................... 1.0 1.0 – 0.6

Credit intermediation and related activities .. – 1.1 – 0.3

Insurance carriers and related activities ...... – 2.4 – 0.5

Professional and business services ..................... – 1.5 – 0.7

Education and health services ............................. 2.2 2.7 – 1.2

Educational services ........................................ 1.3 1.3 – 0.1

Junior colleges, colleges, and universities ... 1.6 1.6 – 0.2

Health care and social assistance ................... 2.7 3.2 – 1.4

See footnotes at end of table.
Table 12. Standard errors for hospital room and board benefits: Extent of coverage by type of plan, private industry

workers, 2015—continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristics

All workers ............................................................... 0.6 0.8 – – 1.7 2.4 – 1.5

Management, professional, and related .................. 1.1 1.1 – – 4.0 4.9 – 3.1

Management, business, and financial ................. – 1.2 – 0.8 2.7 7.1 – 6.2

Professional and related ...................................... 1.7 1.8 – 0.7 5.7 5.7 – 1.1

Service ..................................................................... – 3.8 – 2.0 – 8.8 – 2.5

Sales and office ....................................................... 0.4 0.8 – – – 4.5 – 3.3

Sales and related ................................................. – 1.2 – 1.2 – 9.3 – 9.6

Office and administrative support ........................ 0.6 1.0 – – – 5.2 – 2.9

Natural resources, construction, and maintenance – 1.9 – 0.6 – 3.2 – 0.3

Installation, maintenance, and repair ................... – 2.9 – 0.1 – 2.3 – 0.5

Production, transportation, and material moving ..... – 1.5 – 1.2 – 3.1 – 2 ( )

Production ............................................................ – 1.7 – 1.4 – 2.2 – 2 ( )

Transportation and material moving .................... – 1.9 – 1.1 – 7.1 – –

Full time ................................................................... 0.6 0.8 – – 1.9 2.6 – 1.6

Part time .................................................................. 1.4 1.3 – 0.5 – 12.4 – 0.1

Union ....................................................................... 2.4 2.7 – – 4.2 4.9 – 3.3

Nonunion ................................................................. 0.6 0.8 – – 2.0 2.6 – 1.7

Average wage within the following categories3:

Second 25 percent ............................................... 1.0 1.6 – – – 6.1 – 1.1

Third 25 percent ................................................... 0.7 0.8 – – 1.8 2.2 – 1.4

Highest 25 percent ............................................... 1.2 1.2 – – 3.6 4.8 – 3.6

Highest 10 percent ........................................... 1.2 1.4 – – – 7.1 – 0.8

Establishment characteristics

Goods-producing industries ..................................... – 1.3 – 1.2 2.7 7.0 – 6.0

Manufacturing ...................................................... – 1.6 – 1.4 – 7.9 – 7.8

Service-providing industries ..................................... 0.7 0.9 – – 2.0 2.4 – 1.1

Trade, transportation, and utilities ....................... – 0.6 – 0.3 – 5.7 – 4.0

Retail trade ...................................................... – 0.8 – 0.4 – 9.2 – 8.9

Financial activities ................................................ 0.6 1.1 – 0.6 – 3.4 – 2.2

Finance and insurance .................................... 0.9 1.0 – 0.8 – 2.8 – 1.2

Credit intermediation and related activities .. – 1.1 – 0.4 – 3.0 – –

Insurance carriers and related activities ...... – 2.4 – 0.5 – 7.0 – 0.6

Professional and business services ..................... – 1.2 – 0.8 – 5.2 – –

Education and health services ............................. 2.7 3.6 – 1.5 3.3 4.3 – 2.8

Educational services ........................................ 0.9 0.9 – – – 3.4 – 0.3

Junior colleges, colleges, and universities ... 1.2 1.2 – – 2.6 2.7 – 0.6

Health care and social assistance ................... 3.1 4.1 – 1.8 4.4 5.8 – 3.7

See footnotes at end of table.
Table 12. Standard errors for hospital room and board benefits: Extent of

coverage by type of plan, private industry workers, 2015—continued

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

1 to 99 workers ........................................................ 1.1 1.3 – 0.7

50 to 99 workers .................................................. – 2.2 – 1.7

100 workers or more ................................................ 1.0 1.1 – –

100 to 499 workers .............................................. – 1.5 – 0.7

500 workers or more ............................................ 1.6 1.7 – 0.7

Geographic areas

Northeast ................................................................. 1.2 1.1 – 0.4

New England ....................................................... – 3.0 – 0.9

Middle Atlantic ..................................................... 1.2 1.2 – 0.4

South ....................................................................... – 0.8 – 0.7

South Atlantic ....................................................... 0.6 0.9 – 1.0

East South Central ............................................... – 3.0 – 3.0

West South Central .............................................. – 1.3 – 0.5

Midwest .................................................................... 1.2 1.7 – –

East North Central ............................................... – 2.3 – 1.8

West North Central .............................................. – 2.2 – 1.4

West ......................................................................... 1.6 2.1 – 1.0

Mountain .............................................................. – 2.9 – 1.7

Pacific .................................................................. 1.9 2.5 – 1.3

See footnotes at end of table.
Table 12. Standard errors for hospital room and board benefits: Extent of coverage by type of plan, private industry

workers, 2015—continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

1 to 99 workers ........................................................ 0.9 1.0 – 0.5 3.9 4.6 – 2.8

50 to 99 workers .................................................. – 1.2 – 0.4 – 10.1 – 8.9

100 workers or more ................................................ 0.8 1.0 – – 3.7 3.8 – 1.5

100 to 499 workers .............................................. 0.9 1.3 – – – 4.6 – 1.9

500 workers or more ............................................ 1.6 1.8 – 0.8 5.4 5.4 – 1.0

Geographic areas

Northeast ................................................................. 1.4 1.4 – 0.6 – 3.4 – 0.8

New England ....................................................... – 3.7 – 1.3 – 2.7 – –

Middle Atlantic ..................................................... 1.4 1.5 – 0.5 – 5.0 – 1.2

South ....................................................................... – 0.8 – 0.7 0.9 3.6 – 3.2

South Atlantic ....................................................... – 0.5 – 0.7 – 4.9 – 4.5

East South Central ............................................... – 3.0 – 3.0 – 2.9 – 1.4

West South Central .............................................. – 1.4 – 0.4 – 3.7 – 3.5

Midwest .................................................................... – 2.1 – 1.6 – 3.8 – 2.5

East North Central ............................................... – 3.0 – 2.3 – 3.8 – 3.0

West North Central .............................................. – 2.5 – 1.5 – 10.3 – –

West ......................................................................... 1.7 2.0 – 0.8 3.8 4.9 – 3.1

Mountain .............................................................. – 2.8 – 2.0 – 8.0 – –

Pacific .................................................................. – 2.7 – 0.6 4.1 5.3 – 3.8

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the participant pay a percentage of costs (coinsurance), or a requirement that the participant pay a

specific amount (deductible or copayment) before reimbursement begins or services are rendered. 2 Less than 0.05. 3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March

2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 13. Hospital room and board benefits: Selected types of limits on coverage by type of plan,

private industry workers, 2015

(All workers participating in medical care plans with hospital room and board coverage with limits = 100 percent)

Characteristics

All plans Fee-for-service plan

Copayment

only

Coinsurance

only

Copayment

and

Coinsurance

Copayment

only

Coinsurance

only

Copayment

and

coinsurance

Worker characteristics

All workers ............................................................... 12 69 7 7 74 8

Management, professional, and related .................. 11 71 7 6 77 7

Management, business, and financial ................. 12 71 7 5 77 7

Professional and related ...................................... 11 72 7 7 77 7

Service ..................................................................... – 61 – – 68 –

Sales and office ....................................................... 11 72 7 6 77 7

Sales and related ................................................. – 71 – – 74 –

Office and administrative support ........................ 11 72 6 6 79 6

Natural resources, construction, and maintenance 10 69 6 – 75 –

Installation, maintenance, and repair ................... 9 66 9 – 72 –

Production, transportation, and material moving ..... 7 65 9 3 68 9

Production ............................................................ 6 71 5 4 74 6

Transportation and material moving .................... – 57 – – 61 –

Full time ................................................................... 12 69 7 6 75 7

Part time .................................................................. – 66 – – 67 –

Union ....................................................................... – 58 – – 64 –

Nonunion ................................................................. 11 70 7 6 76 8

Average wage within the following categories1:

Second 25 percent ............................................... 10 69 7 6 75 8

Third 25 percent ................................................... 11 67 8 6 73 8

Highest 25 percent ............................................... 12 71 7 6 76 7

Highest 10 percent ........................................... 10 74 8 5 79 8

Establishment characteristics

Goods-producing industries ..................................... 9 70 6 6 75 6

Manufacturing ...................................................... 7 74 7 4 78 8

Service-providing industries ..................................... 12 68 8 7 74 8

Trade, transportation, and utilities ....................... 9 69 10 4 74 10

Retail trade ...................................................... 7 71 13 – 74 –

Financial activities ................................................ 7 75 8 3 81 7

Finance and insurance .................................... 8 78 4 4 83 4

Credit intermediation and related activities .. 8 75 6 4 82 5

Insurance carriers and related activities ...... – 81 – – 84 –

Professional and business services ..................... – 76 – – 80 –

Education and health services ............................. 18 64 7 – 72 –

Educational services ........................................ – 56 – – 78 –

Junior colleges, colleges, and universities ... – 53 – 15 68 5

Health care and social assistance ................... – 66 – – 71 –

See footnotes at end of table.
Table 13. Hospital room and board benefits: Selected types of limits

on coverage by type of plan, private industry workers,

2015—continued

(All workers participating in medical care plans with hospital room and board coverage with

limits = 100 percent)

Characteristics

Health maintenance organization

Copayment

only

Coinsurance

only

Copayment

and

coinsurance

Worker characteristics

All workers ............................................................... 39 37 6

Management, professional, and related .................. – 41 –

Management, business, and financial ................. 44 – –

Professional and related ...................................... – 43 –

Service ..................................................................... 54 – –

Sales and office ....................................................... 41 35 4

Sales and related ................................................. 49 – –

Office and administrative support ........................ 39 – –

Natural resources, construction, and maintenance 28 – –

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

Production, transportation, and material moving ..... – 42 –

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

Transportation and material moving .................... 53 – –

Full time ................................................................... 40 36 6

Part time .................................................................. – 54 –

Union ....................................................................... 58 – –

Nonunion ................................................................. 37 38 6

Average wage within the following categories1:

Second 25 percent ............................................... – 36 –

Third 25 percent ................................................... 37 – –

Highest 25 percent ............................................... 43 39 6

Highest 10 percent ........................................... 48 – –

Establishment characteristics

Goods-producing industries ..................................... – 41 –

Manufacturing ...................................................... – 48 –

Service-providing industries ..................................... 43 36 6

Trade, transportation, and utilities ....................... 53 – –

Retail trade ...................................................... 51 – –

Financial activities ................................................ 37 – –

Finance and insurance .................................... 42 – –

Credit intermediation and related activities .. – 35 –

Insurance carriers and related activities ...... 52 43 –

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

Education and health services ............................. 38 – –

Educational services ........................................ 61 – –

Junior colleges, colleges, and universities ... 66 – –

Health care and social assistance ................... – 42 –

See footnotes at end of table.
Table 13. Hospital room and board benefits: Selected types of limits on coverage by type of plan,

private industry workers, 2015—continued

(All workers participating in medical care plans with hospital room and board coverage with limits = 100 percent)

Characteristics

All plans Fee-for-service plan

Copayment

only

Coinsurance

only

Copayment

and

Coinsurance

Copayment

only

Coinsurance

only

Copayment

and

coinsurance

1 to 99 workers ........................................................ 11 69 6 6 74 6

50 to 99 workers .................................................. 10 70 8 – 76 –

100 workers or more ................................................ 12 69 9 7 75 9

100 to 499 workers .............................................. 13 67 9 8 72 9

500 workers or more ............................................ 12 72 8 – 78 –

Geographic areas

Northeast ................................................................. 19 60 6 11 71 7

New England ....................................................... – 49 – – 65 –

Middle Atlantic ..................................................... 17 63 6 10 73 6

South ....................................................................... 12 68 7 9 72 7

South Atlantic ....................................................... 15 65 7 11 71 6

East South Central ............................................... – 64 – – 64 –

West South Central .............................................. – 73 – – 77 –

Midwest .................................................................... 6 74 7 – 77 –

East North Central ............................................... 8 75 8 – 77 –

West North Central .............................................. – 72 – – 75 –

West ......................................................................... 11 72 9 – 79 –

Mountain .............................................................. – 71 – – 73 –

Pacific .................................................................. 12 73 7 – 83 –

See footnotes at end of table.
Table 13. Hospital room and board benefits: Selected types of limits

on coverage by type of plan, private industry workers,

2015—continued

(All workers participating in medical care plans with hospital room and board coverage with

limits = 100 percent)

Characteristics

Health maintenance organization

Copayment

only

Coinsurance

only

Copayment

and

coinsurance

1 to 99 workers ........................................................ – 41 –

50 to 99 workers .................................................. 39 – –

100 workers or more ................................................ 47 32 9

100 to 499 workers .............................................. 41 – –

500 workers or more ............................................ 60 – –

Geographic areas

Northeast ................................................................. 46 – –

New England ....................................................... 38 – –

Middle Atlantic ..................................................... 51 – –

South ....................................................................... 43 – –

South Atlantic ....................................................... 47 – –

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

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

Midwest .................................................................... – 53 –

East North Central ............................................... – 58 –

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

West ......................................................................... – 48 –

Mountain .............................................................. – 61 –

Pacific .................................................................. – 43 –

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

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

using percentile estimates generated using data from the National Compensation Survey publication,

"Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 13. Standard errors for hospital room and board benefits: Selected types of limits on

coverage by type of plan, private industry workers, 2015

Characteristics

All plans Fee-for-service plan

Copayment

only

Coinsurance

only

Copayment

and

Coinsurance

Copayment

only

Coinsurance

only

Copayment

and

coinsurance

Worker characteristics

All workers ............................................................... 0.8 1.0 0.7 0.9 1.1 0.8

Management, professional, and related .................. 1.1 1.7 1.2 1.1 1.9 1.3

Management, business, and financial ................. 1.3 1.7 1.0 1.2 1.9 1.2

Professional and related ...................................... 1.7 2.5 1.8 1.5 2.8 2.1

Service ..................................................................... – 3.7 – – 3.7 –

Sales and office ....................................................... 1.0 1.6 1.4 1.0 1.8 1.6

Sales and related ................................................. – 3.2 – – 3.5 –

Office and administrative support ........................ 1.4 1.9 1.0 1.3 2.1 1.2

Natural resources, construction, and maintenance 2.9 4.0 0.8 – 4.6 –

Installation, maintenance, and repair ................... 2.3 4.4 1.7 – 4.6 –

Production, transportation, and material moving ..... 1.3 2.7 1.6 0.7 2.8 1.6

Production ............................................................ 1.2 2.3 1.5 0.8 2.5 1.7

Transportation and material moving .................... – 4.9 – – 5.0 –

Full time ................................................................... 0.8 1.1 0.6 0.8 1.2 0.7

Part time .................................................................. – 4.3 – – 4.5 –

Union ....................................................................... – 4.4 – – 5.1 –

Nonunion ................................................................. 0.8 1.0 0.7 0.8 1.1 0.8

Average wage within the following categories1:

Second 25 percent ............................................... 1.5 2.1 1.0 1.8 2.2 1.2

Third 25 percent ................................................... 1.1 1.8 0.9 1.0 1.8 1.0

Highest 25 percent ............................................... 1.1 1.7 1.1 1.0 1.9 1.3

Highest 10 percent ........................................... 1.4 2.4 1.9 1.2 2.5 2.2

Establishment characteristics

Goods-producing industries ..................................... 1.6 2.3 1.1 1.8 2.6 1.3

Manufacturing ...................................................... 1.2 2.3 1.5 1.0 2.2 1.6

Service-providing industries ..................................... 0.9 1.1 0.8 1.0 1.2 1.0

Trade, transportation, and utilities ....................... 0.9 2.2 1.6 1.0 2.2 1.5

Retail trade ...................................................... 1.2 1.9 2.3 – 1.8 –

Financial activities ................................................ 1.0 1.9 1.4 0.7 1.9 1.2

Finance and insurance .................................... 1.3 1.8 0.8 0.8 1.6 0.8

Credit intermediation and related activities .. 1.7 2.6 1.3 1.0 2.3 1.3

Insurance carriers and related activities ...... – 3.1 – – 3.2 –

Professional and business services ..................... – 3.1 – – 2.7 –

Education and health services ............................. 2.8 3.7 2.0 – 4.6 –

Educational services ........................................ – 5.0 – – 3.3 –

Junior colleges, colleges, and universities ... – 3.4 – 3.6 4.8 1.2

Health care and social assistance ................... – 4.4 – – 5.5 –

See footnotes at end of table.
Table 13. Standard errors for hospital room and board benefits:

Selected types of limits on coverage by type of plan, private industry

workers, 2015—continued

Characteristics

Health maintenance organization

Copayment

only

Coinsurance

only

Copayment

and

coinsurance

Worker characteristics

All workers ............................................................... 2.9 3.3 1.3

Management, professional, and related .................. – 5.4 –

Management, business, and financial ................. 7.6 – –

Professional and related ...................................... – 6.7 –

Service ..................................................................... 11.7 – –

Sales and office ....................................................... 4.5 5.8 1.3

Sales and related ................................................. 9.8 – –

Office and administrative support ........................ 5.4 – –

Natural resources, construction, and maintenance 6.9 – –

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

Production, transportation, and material moving ..... – 7.2 –

Production ............................................................ – 8.7 –

Transportation and material moving .................... 13.9 – –

Full time ................................................................... 2.9 3.3 1.3

Part time .................................................................. – 14.7 –

Union ....................................................................... 8.3 – –

Nonunion ................................................................. 3.1 3.6 1.4

Average wage within the following categories1:

Second 25 percent ............................................... – 6.8 –

Third 25 percent ................................................... 4.5 – –

Highest 25 percent ............................................... 4.2 5.4 1.5

Highest 10 percent ........................................... 6.2 – –

Establishment characteristics

Goods-producing industries ..................................... – 6.2 –

Manufacturing ...................................................... – 6.9 –

Service-providing industries ..................................... 3.4 3.8 1.5

Trade, transportation, and utilities ....................... 3.9 – –

Retail trade ...................................................... 7.3 – –

Financial activities ................................................ 6.6 – –

Finance and insurance .................................... 6.9 – –

Credit intermediation and related activities .. – 7.5 –

Insurance carriers and related activities ...... 8.9 9.4 –

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

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

Educational services ........................................ 7.1 – –

Junior colleges, colleges, and universities ... 5.8 – –

Health care and social assistance ................... – 7.5 –

See footnotes at end of table.
Table 13. Standard errors for hospital room and board benefits: Selected types of limits on

coverage by type of plan, private industry workers, 2015—continued

Characteristics

All plans Fee-for-service plan

Copayment

only

Coinsurance

only

Copayment

and

Coinsurance

Copayment

only

Coinsurance

only

Copayment

and

coinsurance

1 to 99 workers ........................................................ 1.3 1.8 0.9 1.3 2.1 1.1

50 to 99 workers .................................................. 2.5 3.4 2.0 – 3.3 –

100 workers or more ................................................ 1.2 1.5 1.1 1.1 1.6 1.4

100 to 499 workers .............................................. 1.7 2.0 1.3 1.6 2.1 1.6

500 workers or more ............................................ 1.7 2.4 2.3 – 2.7 –

Geographic areas

Northeast ................................................................. 2.0 2.9 1.0 2.2 3.2 1.1

New England ....................................................... – 5.9 – – 5.5 –

Middle Atlantic ..................................................... 2.3 3.3 0.9 2.5 3.7 0.9

South ....................................................................... 1.7 1.7 1.3 1.7 1.8 1.4

South Atlantic ....................................................... 2.6 2.5 1.4 2.5 2.4 1.7

East South Central ............................................... – 1.4 – – 1.6 –

West South Central .............................................. – 3.5 – – 4.1 –

Midwest .................................................................... 0.7 2.1 1.5 – 2.5 –

East North Central ............................................... 1.0 2.7 2.1 – 3.1 –

West North Central .............................................. – 3.2 – – 4.0 –

West ......................................................................... 1.6 1.4 1.1 – 1.4 –

Mountain .............................................................. – 2.2 – – 2.1 –

Pacific .................................................................. 1.4 1.8 1.1 – 1.8 –

See footnotes at end of table.
Table 13. Standard errors for hospital room and board benefits:

Selected types of limits on coverage by type of plan, private industry

workers, 2015—continued

Characteristics

Health maintenance organization

Copayment

only

Coinsurance

only

Copayment

and

coinsurance

1 to 99 workers ........................................................ – 5.6 –

50 to 99 workers .................................................. 11.5 – –

100 workers or more ................................................ 4.7 4.5 2.4

100 to 499 workers .............................................. 5.9 – –

500 workers or more ............................................ 7.1 – –

Geographic areas

Northeast ................................................................. 5.3 – –

New England ....................................................... 6.0 – –

Middle Atlantic ..................................................... 7.3 – –

South ....................................................................... 6.0 – –

South Atlantic ....................................................... 8.4 – –

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

West South Central .............................................. 7.6 – –

Midwest .................................................................... – 10.2 –

East North Central ............................................... – 10.6 –

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

West ......................................................................... – 5.1 –

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

Pacific .................................................................. – 6.5 –

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

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

using percentile estimates generated using data from the National Compensation Survey publication,

"Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 14. Inpatient surgery benefits: Extent of coverage by type of plan,

private industry workers, 2015

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

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristics

All workers ............................................................... 10 83 – –

Management, professional, and related .................. 11 82 – –

Management, business, and financial ................. 9 84 – –

Professional and related ...................................... 12 81 – 7

Service ..................................................................... 21 72 – 6

Sales and office ....................................................... 6 85 – –

Sales and related ................................................. 5 89 – –

Office and administrative support ........................ 6 84 – –

Natural resources, construction, and maintenance – 84 – 6

Installation, maintenance, and repair ................... – 83 – 8

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

Production ............................................................ 5 89 – 6

Transportation and material moving .................... – 88 – 5

Full time ................................................................... 10 83 – –

Part time .................................................................. 11 86 – 3

Union ....................................................................... 21 75 – –

Nonunion ................................................................. 8 84 – –

Average wage within the following categories2:

Second 25 percent ............................................... 10 84 – –

Third 25 percent ................................................... 8 83 – –

Highest 25 percent ............................................... 10 82 – –

Highest 10 percent ........................................... 9 85 – –

Establishment characteristics

Goods-producing industries ..................................... 7 83 – 10

Manufacturing ...................................................... 5 85 – 10

Service-providing industries ..................................... 11 83 – –

Trade, transportation, and utilities ....................... 4 90 – –

Retail trade ...................................................... – 92 – 4

Financial activities ................................................ 6 84 – 10

Finance and insurance .................................... 6 81 – 13

Credit intermediation and related activities .. 5 79 – 16

Insurance carriers and related activities ...... 8 88 – 4

Professional and business services ..................... 7 88 – 5

Education and health services ............................. 22 72 – 6

Educational services ........................................ 14 84 – 2

Junior colleges, colleges, and universities ... 16 80 – 4

Health care and social assistance ................... 23 70 – 7

See footnotes at end of table.
Table 14. Inpatient surgery benefits: Extent of coverage by type of plan, private industry workers, 2015—continued

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

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristics

All workers ............................................................... 7 87 – – 27 64 – 8

Management, professional, and related .................. 8 85 – – 24 66 – 9

Management, business, and financial ................. 5 88 – – 28 63 – 9

Professional and related ...................................... 10 83 – 7 22 69 – 9

Service ..................................................................... 14 80 – 6 47 45 – 8

Sales and office ....................................................... 3 89 – – 23 65 – 11

Sales and related ................................................. – 94 – 4 29 54 – 17

Office and administrative support ........................ 3 86 – – 22 69 – 9

Natural resources, construction, and maintenance – 86 – 7 – 70 – 3

Installation, maintenance, and repair ................... – 86 – 9 – 55 – 5

Production, transportation, and material moving ..... 4 90 – – – 76 – 4

Production ............................................................ 5 88 – 7 – 91 – –

Transportation and material moving .................... – 92 – 4 – 55 – 9

Full time ................................................................... 7 86 – – 26 65 – 9

Part time .................................................................. 6 91 – 2 41 55 – 4

Union ....................................................................... 16 81 – – 48 42 – 10

Nonunion ................................................................. 5 88 – – 24 68 – 8

Average wage within the following categories2:

Second 25 percent ............................................... 7 87 – – 29 67 – 4

Third 25 percent ................................................... 6 86 – – 21 69 – 10

Highest 25 percent ............................................... 8 86 – – 25 64 – 11

Highest 10 percent ........................................... 5 89 – – 30 60 – 9

Establishment characteristics

Goods-producing industries ..................................... 6 84 – 10 16 74 – 10

Manufacturing ...................................................... 4 87 – 10 16 73 – 11

Service-providing industries ..................................... 7 87 – – 30 62 – 8

Trade, transportation, and utilities ....................... – 93 – 5 25 66 – 9

Retail trade ...................................................... – 95 – 4 – 65 – 9

Financial activities ................................................ 5 84 – 11 – 88 – 3

Finance and insurance .................................... 5 81 – 14 11 85 – 4

Credit intermediation and related activities .. – 77 – 19 – 90 – –

Insurance carriers and related activities ...... – 89 – 4 19 80 – 1

Professional and business services ..................... – 93 – 4 – 66 – 11

Education and health services ............................. 17 77 – 5 36 56 – 8

Educational services ........................................ 5 91 – 4 28 72 – –

Junior colleges, colleges, and universities ... 8 85 – 6 33 67 – –

Health care and social assistance ................... 19 75 – 6 38 51 – 11

See footnotes at end of table.
Table 14. Inpatient surgery benefits: Extent of coverage by type of plan,

private industry workers, 2015—continued

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

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

1 to 99 workers ........................................................ 7 84 – 9

50 to 99 workers .................................................. 4 84 – 12

100 workers or more ................................................ 12 82 – –

100 to 499 workers .............................................. 10 86 – –

500 workers or more ............................................ 15 77 – 7

Geographic areas

Northeast ................................................................. 15 79 – 6

New England ....................................................... – 83 – 3

Middle Atlantic ..................................................... 16 77 – 7

South ....................................................................... 8 85 – –

South Atlantic ....................................................... 11 83 – 6

East South Central ............................................... – 88 – 8

West South Central .............................................. – 87 – 7

Midwest .................................................................... 6 86 – –

East North Central ............................................... 7 85 – –

West North Central .............................................. – 90 – 7

West ......................................................................... 12 80 – 8

Mountain .............................................................. – 90 – 4

Pacific .................................................................. 16 75 – 9

See footnotes at end of table.
Table 14. Inpatient surgery benefits: Extent of coverage by type of plan, private industry workers, 2015—continued

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

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

1 to 99 workers ........................................................ 4 87 – 8 20 69 – 11

50 to 99 workers .................................................. – 87 – 10 – – – –

100 workers or more ................................................ 8 86 – – 35 59 – 5

100 to 499 workers .............................................. 6 89 – – 27 68 – 5

500 workers or more ............................................ 10 82 – 7 51 44 – 5

Geographic areas

Northeast ................................................................. 14 80 – 6 22 73 – 5

New England ....................................................... – 84 – 4 – 79 – 2

Middle Atlantic ..................................................... 14 79 – 7 24 70 – 7

South ....................................................................... 6 88 – – 29 63 – 8

South Atlantic ....................................................... – 87 – 5 – 58 – 10

East South Central ............................................... – 88 – 8 – 92 – 5

West South Central .............................................. – 89 – 7 – 68 – 4

Midwest .................................................................... 4 88 – – – 71 – 11

East North Central ............................................... – 87 – 9 – 72 – 9

West North Central .............................................. – 91 – 6 – – – –

West ......................................................................... – 88 – 7 33 58 – 9

Mountain .............................................................. – 91 – 5 – 86 – 2

Pacific .................................................................. – 86 – 8 38 51 – 11

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the participant pay a percentage of costs (coinsurance), or a requirement that the participant pay a

specific amount (deductible or copayment) before reimbursement begins or services are rendered. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March

2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 14. Standard errors for inpatient surgery benefits: Extent of coverage by

type of plan, private industry workers, 2015

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristics

All workers ............................................................... 0.8 1.0 – –

Management, professional, and related .................. 1.3 1.8 – –

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

Professional and related ...................................... 1.8 2.6 – 1.9

Service ..................................................................... 4.1 4.1 – 1.7

Sales and office ....................................................... 1.0 1.3 – –

Sales and related ................................................. 1.3 2.1 – –

Office and administrative support ........................ 1.3 1.7 – –

Natural resources, construction, and maintenance – 3.8 – 1.4

Installation, maintenance, and repair ................... – 3.5 – 2.4

Production, transportation, and material moving ..... 1.4 1.8 – –

Production ............................................................ 1.2 2.0 – 1.8

Transportation and material moving .................... – 2.9 – 1.8

Full time ................................................................... 0.9 1.1 – –

Part time .................................................................. 3.1 2.8 – 0.8

Union ....................................................................... 3.4 3.7 – –

Nonunion ................................................................. 0.8 1.1 – –

Average wage within the following categories2:

Second 25 percent ............................................... 1.8 2.1 – –

Third 25 percent ................................................... 1.0 1.4 – –

Highest 25 percent ............................................... 1.2 1.8 – –

Highest 10 percent ........................................... 1.5 2.5 – –

Establishment characteristics

Goods-producing industries ..................................... 1.5 2.2 – 1.4

Manufacturing ...................................................... 1.2 2.1 – 1.7

Service-providing industries ..................................... 0.9 1.2 – –

Trade, transportation, and utilities ....................... 1.0 1.5 – –

Retail trade ...................................................... – 1.7 – 0.6

Financial activities ................................................ 0.8 1.8 – 1.6

Finance and insurance .................................... 1.1 2.3 – 1.8

Credit intermediation and related activities .. 1.4 2.9 – 3.1

Insurance carriers and related activities ...... 2.4 3.0 – 1.6

Professional and business services ..................... 1.5 3.1 – 2.7

Education and health services ............................. 2.6 2.9 – 1.2

Educational services ........................................ 3.0 3.0 – 1.3

Junior colleges, colleges, and universities ... 2.3 3.2 – 2.5

Health care and social assistance ................... 3.1 3.4 – 1.4

See footnotes at end of table.
Table 14. Standard errors for inpatient surgery benefits: Extent of coverage by type of plan, private industry workers,

2015—continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristics

All workers ............................................................... 0.8 1.0 – – 3.1 3.0 – 2.2

Management, professional, and related .................. 1.3 1.7 – – 3.9 4.9 – 3.8

Management, business, and financial ................. 1.3 1.7 – – 5.7 7.0 – 6.2

Professional and related ...................................... 1.9 2.5 – 1.7 5.0 5.9 – 4.2

Service ..................................................................... 3.2 3.9 – 2.1 9.7 9.6 – 4.4

Sales and office ....................................................... 0.5 1.1 – – 4.5 4.0 – 3.6

Sales and related ................................................. – 1.6 – 1.6 7.4 8.3 – 8.5

Office and administrative support ........................ 0.7 1.6 – – 5.1 4.4 – 3.7

Natural resources, construction, and maintenance – 4.2 – 1.5 – 8.3 – 1.9

Installation, maintenance, and repair ................... – 3.0 – 2.6 – 12.8 – 3.6

Production, transportation, and material moving ..... 1.0 1.8 – – – 7.5 – 2.3

Production ............................................................ 1.4 2.3 – 2.1 – 2.8 – –

Transportation and material moving .................... – 2.4 – 1.9 – 13.7 – 5.8

Full time ................................................................... 0.8 1.1 – – 3.3 3.2 – 2.2

Part time .................................................................. 1.8 1.8 – 0.7 11.4 8.6 – 3.7

Union ....................................................................... 3.6 3.8 – – 10.3 7.4 – 5.6

Nonunion ................................................................. 0.8 1.1 – – 2.7 2.9 – 2.3

Average wage within the following categories2:

Second 25 percent ............................................... 1.7 2.1 – – 5.8 5.2 – 1.4

Third 25 percent ................................................... 0.8 1.4 – – 4.7 4.0 – 3.1

Highest 25 percent ............................................... 1.3 1.6 – – 3.8 5.3 – 4.7

Highest 10 percent ........................................... 1.3 1.9 – – 4.9 6.9 – 5.7

Establishment characteristics

Goods-producing industries ..................................... 1.7 2.4 – 1.4 3.2 6.8 – 6.0

Manufacturing ...................................................... 1.0 2.0 – 1.6 4.6 7.4 – 7.9

Service-providing industries ..................................... 0.9 1.1 – – 3.7 3.4 – 2.2

Trade, transportation, and utilities ....................... – 1.1 – 1.0 6.3 6.9 – 4.2

Retail trade ...................................................... – 1.1 – 0.8 – 9.5 – 4.4

Financial activities ................................................ 0.8 2.0 – 1.7 – 3.3 – 2.2

Finance and insurance .................................... 1.2 2.6 – 1.9 3.3 3.9 – 2.7

Credit intermediation and related activities .. – 3.4 – 3.5 – 4.1 – –

Insurance carriers and related activities ...... – 3.1 – 1.7 5.6 5.7 – 0.6

Professional and business services ..................... – 2.2 – 2.0 – 10.4 – 7.5

Education and health services ............................. 3.1 3.4 – 1.0 4.5 5.0 – 3.2

Educational services ........................................ 0.9 2.1 – 2.0 7.5 7.5 – –

Junior colleges, colleges, and universities ... 1.2 3.6 – 3.5 5.9 5.9 – –

Health care and social assistance ................... 3.6 3.9 – 1.1 5.7 6.5 – 4.3

See footnotes at end of table.
Table 14. Standard errors for inpatient surgery benefits: Extent of coverage by

type of plan, private industry workers, 2015—continued

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

1 to 99 workers ........................................................ 1.2 1.9 – 1.3

50 to 99 workers .................................................. 0.9 3.3 – 3.1

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

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

500 workers or more ............................................ 1.9 2.2 – 1.2

Geographic areas

Northeast ................................................................. 1.5 2.2 – 1.4

New England ....................................................... – 5.1 – 1.0

Middle Atlantic ..................................................... 1.4 2.5 – 1.9

South ....................................................................... 1.7 2.3 – –

South Atlantic ....................................................... 2.7 3.5 – 1.4

East South Central ............................................... – 4.3 – 3.6

West South Central .............................................. – 3.6 – 1.8

Midwest .................................................................... 1.0 1.0 – –

East North Central ............................................... 1.3 1.3 – –

West North Central .............................................. – 1.5 – 1.5

West ......................................................................... 1.7 2.0 – 1.9

Mountain .............................................................. – 2.9 – 1.9

Pacific .................................................................. 2.4 2.5 – 2.7

See footnotes at end of table.
Table 14. Standard errors for inpatient surgery benefits: Extent of coverage by type of plan, private industry workers,

2015—continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

1 to 99 workers ........................................................ 1.1 1.7 – 1.2 3.8 4.7 – 3.8

50 to 99 workers .................................................. – 2.8 – 2.4 – – – –

100 workers or more ................................................ 1.1 1.3 – – 4.5 4.3 – 1.8

100 to 499 workers .............................................. 1.6 1.9 – – 5.6 5.3 – 2.0

500 workers or more ............................................ 1.8 2.2 – 1.3 6.3 6.3 – 2.7

Geographic areas

Northeast ................................................................. 1.5 1.9 – 1.5 4.7 6.3 – 2.7

New England ....................................................... – 4.2 – 1.5 – 8.6 – 1.6

Middle Atlantic ..................................................... 1.4 2.2 – 1.9 6.1 8.7 – 4.1

South ....................................................................... 1.5 2.0 – – 7.5 7.1 – 3.6

South Atlantic ....................................................... – 2.5 – 1.4 – 10.1 – 5.2

East South Central ............................................... – 4.4 – 3.7 – 4.9 – 4.7

West South Central .............................................. – 3.9 – 2.0 – 6.4 – 3.6

Midwest .................................................................... 1.2 1.3 – – – 7.9 – 5.4

East North Central ............................................... – 1.8 – 1.4 – 8.6 – 5.6

West North Central .............................................. – 1.8 – 1.6 – – – –

West ......................................................................... – 2.6 – 1.7 4.9 4.2 – 4.3

Mountain .............................................................. – 3.6 – 2.3 – 7.9 – 0.4

Pacific .................................................................. – 3.5 – 2.3 5.4 4.3 – 5.3

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the participant pay a percentage of costs (coinsurance), or a requirement that the participant pay a

specific amount (deductible or copayment) before reimbursement begins or services are rendered. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March

2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 15. Outpatient surgery benefits: Extent of coverage by type of plan,

private industry workers, 2015

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

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristics

All workers ............................................................... 7 86 – –

Management, professional, and related .................. 6 86 – –

Management, business, and financial ................. 6 86 – –

Professional and related ...................................... 6 86 – 7

Service ..................................................................... 19 76 – 6

Sales and office ....................................................... 4 87 – –

Sales and related ................................................. – 91 – 5

Office and administrative support ........................ 5 85 – –

Natural resources, construction, and maintenance 7 87 – –

Installation, maintenance, and repair ................... – 83 – 8

Production, transportation, and material moving ..... 5 90 – –

Production ............................................................ 4 90 – 6

Transportation and material moving .................... – 90 – 4

Full time ................................................................... 7 86 – –

Part time .................................................................. – 85 – 3

Union ....................................................................... 16 80 – –

Nonunion ................................................................. 6 87 – –

Average wage within the following categories2:

Second 25 percent ............................................... 7 87 – –

Third 25 percent ................................................... 6 86 – –

Highest 25 percent ............................................... 6 87 – –

Highest 10 percent ........................................... 5 89 – –

Establishment characteristics

Goods-producing industries ..................................... 4 86 – 10

Manufacturing ...................................................... 4 86 – 10

Service-providing industries ..................................... 8 86 – –

Trade, transportation, and utilities ....................... 4 91 – –

Retail trade ...................................................... – 92 – 3

Financial activities ................................................ 4 86 – 10

Finance and insurance .................................... 4 83 – 13

Credit intermediation and related activities .. – 81 – 16

Insurance carriers and related activities ...... – 90 – 4

Professional and business services ..................... – 92 – 6

Education and health services ............................. 12 81 – 6

Educational services ........................................ 12 87 – 1

Junior colleges, colleges, and universities ... 16 82 – 2

Health care and social assistance ................... 13 80 – 7

See footnotes at end of table.
Table 15. Outpatient surgery benefits: Extent of coverage by type of plan, private industry workers, 2015—continued

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

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristics

All workers ............................................................... 5 88 – – 17 77 – 5

Management, professional, and related .................. 5 88 – – 14 78 – 7

Management, business, and financial ................. – 89 – 7 17 75 – 9

Professional and related ...................................... 5 88 – 7 – 81 – 6

Service ..................................................................... 16 78 – 6 – 67 – 4

Sales and office ....................................................... 2 89 – – 16 76 – 7

Sales and related ................................................. 1 94 – – – 70 – 8

Office and administrative support ........................ 3 87 – – 14 79 – 7

Natural resources, construction, and maintenance – 88 – 7 – 77 – 1

Installation, maintenance, and repair ................... – 86 – 9 – 62 – 2

Production, transportation, and material moving ..... 4 91 – – 12 86 – 2

Production ............................................................ 4 89 – 7 – 93 – –

Transportation and material moving .................... – 92 – 4 – 76 – 4

Full time ................................................................... 5 88 – – 17 77 – 6

Part time .................................................................. – 87 – 3 – 76 – 1

Union ....................................................................... 13 83 – – 31 64 – 5

Nonunion ................................................................. 4 88 – – 15 79 – 6

Average wage within the following categories2:

Second 25 percent ............................................... 5 88 – – 19 79 – 2

Third 25 percent ................................................... 5 87 – – 14 81 – 5

Highest 25 percent ............................................... 5 88 – – 14 77 – 9

Highest 10 percent ........................................... 3 90 – – 14 78 – 7

Establishment characteristics

Goods-producing industries ..................................... 4 86 – 10 6 86 – 8

Manufacturing ...................................................... 3 87 – 10 8 82 – 10

Service-providing industries ..................................... 5 88 – – 20 75 – 5

Trade, transportation, and utilities ....................... 2 93 – – 22 78 – 3 ( )

Retail trade ...................................................... – 94 – 4 – 80 – 3 ( )

Financial activities ................................................ 4 85 – 11 – 92 – 3

Finance and insurance .................................... 4 82 – 14 – 90 – 4

Credit intermediation and related activities .. – 78 – 19 – 95 – –

Insurance carriers and related activities ...... – 90 – 4 – 89 – 1

Professional and business services ..................... – 94 – 4 – 81 – 11

Education and health services ............................. 10 83 – 6 20 74 – 6

Educational services ........................................ 4 95 – 1 26 74 – –

Junior colleges, colleges, and universities ... 6 91 – 2 37 63 – –

Health care and social assistance ................... 11 82 – 7 – 74 – 8

See footnotes at end of table.
Table 15. Outpatient surgery benefits: Extent of coverage by type of plan,

private industry workers, 2015—continued

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

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

1 to 99 workers ........................................................ 6 86 – 8

50 to 99 workers .................................................. 4 85 – 11

100 workers or more ................................................ 8 86 – –

100 to 499 workers .............................................. 5 90 – –

500 workers or more ............................................ 11 81 – 8

Geographic areas

Northeast ................................................................. 13 80 – 6

New England ....................................................... – 84 – 2

Middle Atlantic ..................................................... 13 79 – 8

South ....................................................................... 5 89 – –

South Atlantic ....................................................... – 88 – 6

East South Central ............................................... – 88 – 8

West South Central .............................................. 3 91 – –

Midwest .................................................................... 5 87 – –

East North Central ............................................... 6 86 – –

West North Central .............................................. – 90 – 7

West ......................................................................... 8 85 – 7

Mountain .............................................................. – 89 – 4

Pacific .................................................................. 8 83 – 8

See footnotes at end of table.
Table 15. Outpatient surgery benefits: Extent of coverage by type of plan, private industry workers, 2015—continued

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

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

1 to 99 workers ........................................................ 4 87 – 8 13 79 – 7

50 to 99 workers .................................................. – 88 – 10 – 73 – 19

100 workers or more ................................................ 6 88 – – 21 75 – 4

100 to 499 workers .............................................. 4 91 – – – 84 – 5

500 workers or more ............................................ 7 84 – 9 40 59 – 1

Geographic areas

Northeast ................................................................. 12 80 – 8 18 81 – 1

New England ....................................................... – 84 – 4 – 85 – –

Middle Atlantic ..................................................... 12 79 – 9 – 78 – 1

South ....................................................................... – 92 – 6 27 65 – 8

South Atlantic ....................................................... – 92 – 5 30 60 – 10

East South Central ............................................... – 88 – 8 – 100 – –

West South Central .............................................. – 93 – 6 – 69 – 4

Midwest .................................................................... – 87 – 8 – 85 – 5

East North Central ............................................... – 86 – 9 – 86 – 4

West North Central .............................................. – 91 – 6 – 77 – 12

West ......................................................................... – 88 – 7 14 79 – 7

Mountain .............................................................. – 89 – 5 – 90 – 3 ( )

Pacific .................................................................. – 87 – 9 15 76 – 8

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the participant pay a percentage of costs (coinsurance), or a requirement that the participant pay a

specific amount (deductible or copayment) before reimbursement begins or services are rendered. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March

2015." 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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 15. Standard errors for outpatient surgery benefits: Extent of coverage

by type of plan, private industry workers, 2015

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristics

All workers ............................................................... 0.7 1.0 – –

Management, professional, and related .................. 0.8 1.6 – –

Management, business, and financial ................. 1.3 1.8 – –

Professional and related ...................................... 1.0 2.2 – 1.9

Service ..................................................................... 3.6 3.7 – 1.6

Sales and office ....................................................... 0.7 1.3 – –

Sales and related ................................................. – 2.0 – 1.6

Office and administrative support ........................ 0.9 1.6 – –

Natural resources, construction, and maintenance 1.8 2.1 – –

Installation, maintenance, and repair ................... – 3.4 – 2.3

Production, transportation, and material moving ..... 0.9 1.5 – –

Production ............................................................ 0.9 1.7 – 1.8

Transportation and material moving .................... – 2.4 – 1.8

Full time ................................................................... 0.7 1.0 – –

Part time .................................................................. – 4.5 – 0.8

Union ....................................................................... 2.5 2.7 – –

Nonunion ................................................................. 0.7 1.0 – –

Average wage within the following categories2:

Second 25 percent ............................................... 1.1 1.7 – –

Third 25 percent ................................................... 0.8 1.3 – –

Highest 25 percent ............................................... 0.8 1.5 – –

Highest 10 percent ........................................... 0.9 2.3 – –

Establishment characteristics

Goods-producing industries ..................................... 0.6 1.5 – 1.4

Manufacturing ...................................................... 0.7 1.9 – 1.8

Service-providing industries ..................................... 0.9 1.2 – –

Trade, transportation, and utilities ....................... 0.9 1.6 – –

Retail trade ...................................................... – 1.6 – 0.7

Financial activities ................................................ 0.6 1.7 – 1.6

Finance and insurance .................................... 0.9 2.2 – 1.8

Credit intermediation and related activities .. – 3.1 – 3.1

Insurance carriers and related activities ...... – 2.7 – 1.6

Professional and business services ..................... – 2.8 – 2.6

Education and health services ............................. 2.1 2.4 – 1.4

Educational services ........................................ 3.1 3.1 – 0.5

Junior colleges, colleges, and universities ... 2.6 2.6 – 0.9

Health care and social assistance ................... 2.4 2.8 – 1.6

See footnotes at end of table.
Table 15. Standard errors for outpatient surgery benefits: Extent of coverage by type of plan, private industry workers,

2015—continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristics

All workers ............................................................... 0.7 1.0 – – 2.6 2.6 – 2.0

Management, professional, and related .................. 0.7 1.4 – – 3.2 4.6 – 3.7

Management, business, and financial ................. – 1.6 – 1.1 4.6 6.5 – 6.2

Professional and related ...................................... 0.9 2.0 – 1.6 – 5.4 – 3.9

Service ..................................................................... 4.4 4.8 – 2.1 – 10.3 – 2.5

Sales and office ....................................................... 0.4 1.2 – – 3.6 3.9 – 3.2

Sales and related ................................................. 0.3 1.6 – – – 9.3 – 7.9

Office and administrative support ........................ 0.6 1.6 – – 3.9 4.2 – 3.4

Natural resources, construction, and maintenance – 2.0 – 1.5 – 7.9 – 1.0

Installation, maintenance, and repair ................... – 3.0 – 2.6 – 12.5 – 1.9

Production, transportation, and material moving ..... 0.9 1.6 – – 3.0 3.5 – 1.8

Production ............................................................ 1.0 2.0 – 2.1 – 2.6 – –

Transportation and material moving .................... – 2.4 – 1.9 – 8.2 – 4.3

Full time ................................................................... 0.6 1.0 – – 2.7 2.7 – 2.1

Part time .................................................................. – 4.6 – 0.8 – 16.7 – 1.0

Union ....................................................................... 2.3 2.8 – – 7.7 7.6 – 3.3

Nonunion ................................................................. 0.6 1.0 – – 2.4 2.5 – 2.2

Average wage within the following categories2:

Second 25 percent ............................................... 1.2 1.8 – – 5.6 5.6 – 0.9

Third 25 percent ................................................... 0.7 1.5 – – 2.9 3.4 – 2.3

Highest 25 percent ............................................... 0.7 1.2 – – 2.4 4.8 – 4.7

Highest 10 percent ........................................... 0.8 1.7 – – 2.8 6.7 – 5.8

Establishment characteristics

Goods-producing industries ..................................... 0.7 1.5 – 1.4 1.2 5.9 – 6.0

Manufacturing ...................................................... 0.9 1.8 – 1.6 1.6 7.6 – 7.8

Service-providing industries ..................................... 0.9 1.2 – – 3.3 2.9 – 1.9

Trade, transportation, and utilities ....................... 0.6 1.2 – – 6.0 6.0 – 0.1

Retail trade ...................................................... – 1.1 – 0.8 – 8.8 – 0.2

Financial activities ................................................ 0.6 1.9 – 1.7 – 2.5 – 2.2

Finance and insurance .................................... 0.9 2.4 – 1.9 – 3.1 – 2.7

Credit intermediation and related activities .. – 3.5 – 3.5 – 3.1 – –

Insurance carriers and related activities ...... – 2.9 – 1.7 – 4.0 – 0.6

Professional and business services ..................... – 2.0 – 1.7 – 8.4 – 7.5

Education and health services ............................. 2.0 2.9 – 1.4 5.0 5.0 – 2.8

Educational services ........................................ 1.2 1.5 – 0.8 7.5 7.5 – –

Junior colleges, colleges, and universities ... 1.8 2.3 – 1.3 5.2 5.2 – –

Health care and social assistance ................... 2.3 3.3 – 1.6 – 6.3 – 3.7

See footnotes at end of table.
Table 15. Standard errors for outpatient surgery benefits: Extent of coverage

by type of plan, private industry workers, 2015—continued

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

1 to 99 workers ........................................................ 0.8 1.7 – 1.3

50 to 99 workers .................................................. 1.0 3.2 – 3.0

100 workers or more ................................................ 0.9 1.0 – –

100 to 499 workers .............................................. 1.1 1.4 – –

500 workers or more ............................................ 1.6 1.9 – 1.3

Geographic areas

Northeast ................................................................. 1.8 2.2 – 1.3

New England ....................................................... – 5.2 – 1.0

Middle Atlantic ..................................................... 1.7 2.5 – 1.7

South ....................................................................... 1.1 1.8 – –

South Atlantic ....................................................... – 2.9 – 1.4

East South Central ............................................... – 5.2 – 3.6

West South Central .............................................. 0.6 1.8 – –

Midwest .................................................................... 1.2 1.4 – –

East North Central ............................................... 1.7 2.0 – –

West North Central .............................................. – 1.5 – 1.3

West ......................................................................... 1.7 2.1 – 2.0

Mountain .............................................................. – 2.9 – 1.9

Pacific .................................................................. 2.3 2.8 – 2.8

See footnotes at end of table.
Table 15. Standard errors for outpatient surgery benefits: Extent of coverage by type of plan, private industry workers,

2015—continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

1 to 99 workers ........................................................ 1.0 1.6 – 1.2 2.9 4.6 – 3.6

50 to 99 workers .................................................. – 2.7 – 2.4 – 10.2 – 10.3

100 workers or more ................................................ 0.8 1.1 – – 3.5 3.5 – 1.5

100 to 499 workers .............................................. 1.0 1.6 – – – 4.1 – 2.0

500 workers or more ............................................ 1.3 1.9 – 1.5 5.7 5.7 – 1.0

Geographic areas

Northeast ................................................................. 1.5 2.4 – 1.6 4.9 4.8 – 0.5

New England ....................................................... – 5.0 – 1.5 – 6.9 – –

Middle Atlantic ..................................................... 1.5 2.8 – 2.0 – 6.4 – 0.7

South ....................................................................... – 1.5 – 1.2 6.4 6.0 – 3.5

South Atlantic ....................................................... – 2.0 – 1.4 8.8 8.3 – 5.2

East South Central ............................................... – 5.3 – 3.7 – 3 () – –

West South Central .............................................. – 1.9 – 2.0 – 6.2 – 3.5

Midwest .................................................................... – 1.6 – 1.1 – 6.3 – 3.2

East North Central ............................................... – 2.2 – 1.4 – 6.7 – 3.0

West North Central .............................................. – 1.9 – 1.6 – 14.0 – 11.2

West ......................................................................... – 2.6 – 1.7 4.0 3.7 – 4.3

Mountain .............................................................. – 4.7 – 2.3 – 8.6 – 0.2

Pacific .................................................................. – 3.2 – 2.3 4.5 3.8 – 5.2

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the participant pay a percentage of costs (coinsurance), or a requirement that the participant pay a

specific amount (deductible or copayment) before reimbursement begins or services are rendered. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March

2015." 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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 16. Physician office visit benefits: Extent of coverage by type of plan,

private industry workers, 2015

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

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristics

All workers ............................................................... 2 98 – 2 ( )

Management, professional, and related .................. 3 97 – 2 ( )

Management, business, and financial ................. – 98 – 2 ( )

Professional and related ...................................... 4 96 – 2 ( )

Service ..................................................................... – 95 – 1

Sales and office ....................................................... – 99 – 2 ( )

Sales and related ................................................. – 99 – 2 ( )

Office and administrative support ........................ – 99 – 2 ( )

Natural resources, construction, and maintenance – 100 – 2 ( )

Installation, maintenance, and repair ................... – 99 – 2 ( )

Production, transportation, and material moving ..... – 99 – –

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

Transportation and material moving .................... – 99 – –

Full time ................................................................... 2 98 – 2 ( )

Part time .................................................................. – 98 – 1

Union ....................................................................... – 95 – 1

Nonunion ................................................................. 2 98 – 2 ( )

Average wage within the following categories3:

Second 25 percent ............................................... – 98 – 2 ( )

Third 25 percent ................................................... – 98 – 2 ( )

Highest 25 percent ............................................... 3 97 – 2 ( )

Highest 10 percent ........................................... – 97 – 1

Establishment characteristics

Goods-producing industries ..................................... – 99 – 2 ( )

Manufacturing ...................................................... – 99 – 2 ( )

Service-providing industries ..................................... 2 97 – 2 ( )

Trade, transportation, and utilities ....................... – 99 – –

Retail trade ...................................................... – 100 – –

Financial activities ................................................ – 99 – 2 ( )

Finance and insurance .................................... – 99 – 2 ( )

Credit intermediation and related activities .. – 99 – –

Insurance carriers and related activities ...... – 99 – 1

Professional and business services ..................... – 96 – –

Education and health services ............................. 5 95 – 1

Educational services ........................................ – 99 – –

Junior colleges, colleges, and universities ... – 99 – –

Health care and social assistance ................... 5 94 – 1

See footnotes at end of table.
Table 16. Physician office visit benefits: Extent of coverage by type of plan, private industry workers, 2015—continued

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

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristics

All workers ............................................................... 1 99 – 2 ( ) 7 93 – –

Management, professional, and related .................. 2 98 – 2 ( ) – 92 – –

Management, business, and financial ................. – 99 – 2 ( ) – 93 – –

Professional and related ...................................... 3 96 – 1 – 92 – –

Service ..................................................................... – 97 – 1 – 89 – –

Sales and office ....................................................... – 99 – 2 ( ) – 96 – –

Sales and related ................................................. – 99 – 2 ( ) – 97 – –

Office and administrative support ........................ – 100 – 2 ( ) – 95 – –

Natural resources, construction, and maintenance – 100 – 2 ( ) – 99 – –

Installation, maintenance, and repair ................... – 99 – 2 ( ) – 98 – –

Production, transportation, and material moving ..... – 100 – – – 96 – –

Production ............................................................ – 100 – – – 98 – –

Transportation and material moving .................... – 100 – – – 93 – –

Full time ................................................................... 1 99 – 2 ( ) 7 93 – –

Part time .................................................................. – 98 – 1 – 96 – –

Union ....................................................................... – 96 – 2 – 89 – –

Nonunion ................................................................. 1 99 – 2 ( ) 6 94 – –

Average wage within the following categories3:

Second 25 percent ............................................... – 99 – 2 ( ) – 92 – –

Third 25 percent ................................................... – 99 – 2 ( ) – 94 – –

Highest 25 percent ............................................... 2 98 – 2 ( ) – 93 – –

Highest 10 percent ........................................... – 98 – 1 – 93 – –

Establishment characteristics

Goods-producing industries ..................................... – 100 – 2 ( ) – 98 – –

Manufacturing ...................................................... – 100 – 2 ( ) – 98 – –

Service-providing industries ..................................... 1 98 – 2 ( ) 8 92 – –

Trade, transportation, and utilities ....................... – 100 – – – 97 – –

Retail trade ...................................................... – 100 – – – 100 – –

Financial activities ................................................ – 99 – 2 ( ) – 100 – –

Finance and insurance .................................... – 99 – 2 ( ) – 100 – –

Credit intermediation and related activities .. – 99 – – – 100 – –

Insurance carriers and related activities ...... – 98 – 1 – 100 – –

Professional and business services ..................... – 99 – – – 84 – –

Education and health services ............................. 4 95 – 1 – 94 – –

Educational services ........................................ – 100 – – – 99 – –

Junior colleges, colleges, and universities ... – 99 – – – 98 – –

Health care and social assistance ................... 5 94 – 1 – 93 – –

See footnotes at end of table.
Table 16. Physician office visit benefits: Extent of coverage by type of plan,

private industry workers, 2015—continued

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

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

1 to 99 workers ........................................................ 2 98 – –

50 to 99 workers .................................................. – 98 – –

100 workers or more ................................................ 2 97 – 2 ( )

100 to 499 workers .............................................. – 98 – 2 ( )

500 workers or more ............................................ – 97 – 1

Geographic areas

Northeast ................................................................. – 95 – 1

New England ....................................................... – 96 – –

Middle Atlantic ..................................................... – 95 – 1

South ....................................................................... 2 98 – 2 ( )

South Atlantic ....................................................... 4 96 – 2 ( )

East South Central ............................................... – 99 – 2 ( )

West South Central .............................................. – 100 – 2 ( )

Midwest .................................................................... – 99 – –

East North Central ............................................... – 99 – –

West North Central .............................................. – 99 – –

West ......................................................................... – 99 – 2 ( )

Mountain .............................................................. – 100 – –

Pacific .................................................................. – 98 – 1

See footnotes at end of table.
Table 16. Physician office visit benefits: Extent of coverage by type of plan, private industry workers, 2015—continued

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

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

1 to 99 workers ........................................................ – 99 – – – 93 – –

50 to 99 workers .................................................. – 99 – – – 92 – –

100 workers or more ................................................ 1 98 – 1 – 94 – –

100 to 499 workers .............................................. – 98 – 1 – 97 – –

500 workers or more ............................................ 2 98 – 1 – 89 – –

Geographic areas

Northeast ................................................................. – 97 – 1 – 90 – –

New England ....................................................... – 99 – – – 90 – –

Middle Atlantic ..................................................... – 96 – 1 – 89 – –

South ....................................................................... 1 99 – 2 ( ) – 87 – –

South Atlantic ....................................................... – 98 – 2 ( ) – 81 – –

East South Central ............................................... – 99 – 2 ( ) – 84 – –

West South Central .............................................. – 100 – 2 ( ) – 100 – –

Midwest .................................................................... – 99 – – – 99 – –

East North Central ............................................... – 99 – – – 99 – –

West North Central .............................................. – 99 – – – 100 – –

West ......................................................................... – 99 – 1 – 97 – –

Mountain .............................................................. – 100 – – – 100 – –

Pacific .................................................................. – 98 – 1 – 97 – –

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the participant pay a percentage of costs (coinsurance), or a requirement that the participant pay a

specific amount (deductible or copayment) before reimbursement begins or services are rendered. 2 Less than 0.5. 3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March

2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 16. Standard errors for physician office visit benefits: Extent of

coverage by type of plan, private industry workers, 2015

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristics

All workers ............................................................... 0.3 0.3 – 0.1

Management, professional, and related .................. 0.8 0.8 – 0.2

Management, business, and financial ................. – 0.7 – 0.2

Professional and related ...................................... 1.1 1.1 – 0.2

Service ..................................................................... – 1.4 – 0.3

Sales and office ....................................................... – 0.3 – 0.1

Sales and related ................................................. – 0.4 – 0.1

Office and administrative support ........................ – 0.4 – 0.1

Natural resources, construction, and maintenance – 0.2 – 0.1

Installation, maintenance, and repair ................... – 0.3 – 0.1

Production, transportation, and material moving ..... – 0.3 – –

Production ............................................................ – 0.3 – –

Transportation and material moving .................... – 0.7 – –

Full time ................................................................... 0.3 0.3 – 0.1

Part time .................................................................. – 0.9 – 0.4

Union ....................................................................... – 1.6 – 0.5

Nonunion ................................................................. 0.3 0.3 – 0.1

Average wage within the following categories3:

Second 25 percent ............................................... – 0.6 – 0.1

Third 25 percent ................................................... – 0.6 – 0.1

Highest 25 percent ............................................... 0.7 0.7 – 0.2

Highest 10 percent ........................................... – 1.0 – 0.4

Establishment characteristics

Goods-producing industries ..................................... – 0.2 – 0.2

Manufacturing ...................................................... – 0.3 – 0.2

Service-providing industries ..................................... 0.4 0.4 – 0.1

Trade, transportation, and utilities ....................... – 0.2 – –

Retail trade ...................................................... – 0.2 – –

Financial activities ................................................ – 0.4 – 0.3

Finance and insurance .................................... – 0.5 – 0.4

Credit intermediation and related activities .. – 0.6 – –

Insurance carriers and related activities ...... – 1.1 – 1.1

Professional and business services ..................... – 1.5 – –

Education and health services ............................. 0.9 0.8 – 0.4

Educational services ........................................ – 0.3 – –

Junior colleges, colleges, and universities ... – 0.4 – –

Health care and social assistance ................... 1.0 0.9 – 0.5

See footnotes at end of table.
Table 16. Standard errors for physician office visit benefits: Extent of coverage by type of plan, private industry

workers, 2015—continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristics

All workers ............................................................... 0.2 0.2 – 0.1 1.6 1.6 – –

Management, professional, and related .................. 0.5 0.6 – 0.2 – 3.3 – –

Management, business, and financial ................. – 0.4 – 0.3 – 3.1 – –

Professional and related ...................................... 0.9 0.9 – 0.3 – 4.8 – –

Service ..................................................................... – 0.9 – 0.3 – 6.1 – –

Sales and office ....................................................... – 0.2 – 0.1 – 1.9 – –

Sales and related ................................................. – 0.3 – 0.2 – 2.6 – –

Office and administrative support ........................ – 0.2 – 0.1 – 2.4 – –

Natural resources, construction, and maintenance – 0.2 – 0.1 – 0.7 – –

Installation, maintenance, and repair ................... – 0.3 – 0.2 – 1.3 – –

Production, transportation, and material moving ..... – 2 ( ) – – –2.5– –

Production ............................................................ – 2 ( ) – – –2.0– –

Transportation and material moving .................... – 2 ( ) – – –5.3– –

Full time ................................................................... 0.2 0.2 – 0.1 1.6 1.6 – –

Part time .................................................................. – 0.9 – 0.5 – 3.6 – –

Union ....................................................................... – 1.3 – 0.6 – 7.3 – –

Nonunion ................................................................. 0.2 0.2 – 0.1 1.6 1.6 – –

Average wage within the following categories3:

Second 25 percent ............................................... – 0.3 – 0.1 – 4.3 – –

Third 25 percent ................................................... – 0.2 – 0.1 – 3.4 – –

Highest 25 percent ............................................... 0.5 0.5 – 0.2 – 2.7 – –

Highest 10 percent ........................................... – 0.7 – 0.4 – 3.9 – –

Establishment characteristics

Goods-producing industries ..................................... – 0.2 – 0.2 – 1.4 – –

Manufacturing ...................................................... – 0.3 – 0.3 – 1.9 – –

Service-providing industries ..................................... 0.3 0.3 – 0.1 2.0 2.0 – –

Trade, transportation, and utilities ....................... – 0.1 – – – 1.7 – –

Retail trade ...................................................... – 0.3 – – – 2 () – –

Financial activities ................................................ – 0.5 – 0.4 – 2 () – –

Finance and insurance .................................... – 0.6 – 0.5 – 2 () – –

Credit intermediation and related activities .. – 0.7 – – – 2 () – –

Insurance carriers and related activities ...... – 1.2 – 1.2 – 2 () – –

Professional and business services ..................... – 0.9 – – – 5.9 – –

Education and health services ............................. 1.1 1.1 – 0.5 – 2.6 – –

Educational services ........................................ – 0.4 – – – 0.2 – –

Junior colleges, colleges, and universities ... – 0.6 – – – 0.3 – –

Health care and social assistance ................... 1.3 1.3 – 0.6 – 3.5 – –

See footnotes at end of table.
Table 16. Standard errors for physician office visit benefits: Extent of

coverage by type of plan, private industry workers, 2015—continued

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

1 to 99 workers ........................................................ 0.4 0.4 – –

50 to 99 workers .................................................. – 1.0 – –

100 workers or more ................................................ 0.5 0.5 – 0.2

100 to 499 workers .............................................. – 0.6 – 0.2

500 workers or more ............................................ – 0.9 – 0.3

Geographic areas

Northeast ................................................................. – 1.3 – 0.3

New England ....................................................... – 3.7 – –

Middle Atlantic ..................................................... – 1.2 – 0.4

South ....................................................................... 0.6 0.6 – 0.1

South Atlantic ....................................................... 1.1 1.1 – 2 ( )

East South Central ............................................... – 0.7 – 0.2

West South Central .............................................. – 0.1 – 0.1

Midwest .................................................................... – 0.3 – –

East North Central ............................................... – 0.3 – –

West North Central .............................................. – 0.7 – –

West ......................................................................... – 0.4 – 0.3

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

Pacific .................................................................. – 0.6 – 0.4

See footnotes at end of table.
Table 16. Standard errors for physician office visit benefits: Extent of coverage by type of plan, private industry

workers, 2015—continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

1 to 99 workers ........................................................ – 0.3 – – – 2.1 – –

50 to 99 workers .................................................. – 0.9 – – – 3.9 – –

100 workers or more ................................................ 0.3 0.3 – 0.2 – 2.4 – –

100 to 499 workers .............................................. – 0.5 – 0.3 – 2.3 – –

500 workers or more ............................................ 0.5 0.6 – 0.3 – 5.3 – –

Geographic areas

Northeast ................................................................. – 0.8 – 0.4 – 4.9 – –

New England ....................................................... – 0.8 – – – 9.6 – –

Middle Atlantic ..................................................... – 1.0 – 0.5 – 5.5 – –

South ....................................................................... 0.3 0.3 – 0.1 – 4.6 – –

South Atlantic ....................................................... – 0.6 – 0.1 – 6.3 – –

East South Central ............................................... – 0.4 – 0.2 – 14.1 – –

West South Central .............................................. – 0.2 – 0.1 – 2 () – –

Midwest .................................................................... – 0.4 – – – 0.6 – –

East North Central ............................................... – 0.5 – – – 0.7 – –

West North Central .............................................. – 0.7 – – – 2 () – –

West ......................................................................... – 0.5 – 0.4 – 1.1 – –

Mountain .............................................................. – 0.1 – – – 2 () – –

Pacific .................................................................. – 0.9 – 0.6 – 1.3 – –

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the participant pay a percentage of costs (coinsurance), or a requirement that the participant pay a

specific amount (deductible or copayment) before reimbursement begins or services are rendered. 2 Less than 0.05. 3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March

2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 17. Fee-for-service plans: Summary of selected features, private industry workers, 2015

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

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Worker characteristics

All workers ............................................................... 93 7 – 83 17 – 95 4 1 ( )

Management, professional, and related .................. 95 5 – 84 16 – 95 4 1 ( )

Management, business, and financial ................. 96 4 – 84 16 – 95 5 1 ( )

Professional and related ...................................... 94 6 – 83 17 – 96 4 1 ( )

Service ..................................................................... 91 9 – 77 23 – 92 – –

Sales and office ....................................................... 96 4 – 86 14 – 96 3 1

Sales and related ................................................. 96 – – 88 12 – 97 – –

Office and administrative support ........................ 97 3 – 84 16 – 95 3 1

Natural resources, construction, and maintenance 90 – – 82 18 – 94 – –

Installation, maintenance, and repair ................... 95 – – 82 18 – 92 – –

Production, transportation, and material moving ..... 89 11 – 80 20 – 96 4 –

Production ............................................................ 93 7 – 84 16 – 94 6 –

Transportation and material moving .................... 85 15 – 75 25 – 98 – –

Full time ................................................................... 94 6 – 83 17 – 95 5 1 ( )

Part time .................................................................. 89 – – 79 21 – 98 – –

Union ....................................................................... 84 16 – 72 28 – 90 10 –

Nonunion ................................................................. 95 5 – 84 16 – 96 4 1 ( )

Average wage within the following categories2:

Second 25 percent ............................................... 92 8 – 83 17 – 96 4 1

Third 25 percent ................................................... 94 6 – 83 17 – 95 4 1 ( )

Highest 25 percent ............................................... 94 6 – 83 17 – 95 5 1 ( )

Highest 10 percent ........................................... 94 6 – 87 13 – 94 6 1 ( )

Establishment characteristics

Goods-producing industries ..................................... 92 – – 85 15 – 96 4 –

Manufacturing ...................................................... 94 6 – 89 11 – 96 4 –

Service-providing industries ..................................... 94 6 – 82 18 – 95 5 1 ( )

Trade, transportation, and utilities ....................... 94 6 – 84 16 – 97 3 –

Retail trade ...................................................... 98 – – 89 11 – 97 – –

Financial activities ................................................ 98 2 – 87 13 – 94 4 2

Finance and insurance .................................... 98 2 – 87 13 – 94 5 1

Credit intermediation and related activities .. 98 – – 86 14 – 95 – –

Insurance carriers and related activities ...... 97 – – 86 14 – 93 7 1

Professional and business services ..................... 94 – – 84 16 – 96 – –

Education and health services ............................. 92 8 – 79 21 – 92 8 1

Educational services ........................................ 93 7 – 86 14 – 99 – –

Junior colleges, colleges, and universities ... 88 12 – 76 24 – 98 – –

Health care and social assistance ................... 92 8 – 78 22 – 91 9 1

See footnotes at end of table.
Table 17. Fee-for-service plans: Summary of selected features, private industry workers, 2015—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 ........................................................ 95 5 – 80 20 – 95 4 1 ( )

50 to 99 workers .................................................. 96 – – 82 18 – 97 – –

100 workers or more ................................................ 92 8 – 85 15 – 95 5 1 ( )

100 to 499 workers .............................................. 92 8 – 83 17 – 95 5 1 ( )

500 workers or more ............................................ 92 8 – 87 13 – 95 4 1 ( )

Geographic areas

Northeast ................................................................. 92 8 – 73 27 – 89 11 –

New England ....................................................... 93 – – 68 32 – 87 – –

Middle Atlantic ..................................................... 92 8 – 75 25 – 90 10 –

South ....................................................................... 94 6 – 82 18 – 96 4 1

South Atlantic ....................................................... 95 5 – 82 18 – 96 3 1

East South Central ............................................... 92 8 – 80 – – 97 – –

West South Central .............................................. 93 – – 82 18 – 95 – –

Midwest .................................................................... 94 6 – 85 15 – 96 4 1

East North Central ............................................... 94 6 – 87 13 – 95 5 1 ( )

West North Central .............................................. 94 6 – 82 18 – 98 – –

West ......................................................................... 93 7 – 88 12 – 98 – –

Mountain .............................................................. 93 – – 87 – – 100 – –

Pacific .................................................................. 93 – – 88 12 – 96 – –

1 Less than 0.5. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 17. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, 2015

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Worker characteristics

All workers ............................................................... 0.8 0.8 – 1.3 1.3 – 0.6 0.6 0.1

Management, professional, and related .................. 0.8 0.8 – 1.8 1.8 – 0.8 0.7 0.1

Management, business, and financial ................. 1.0 1.0 – 2.0 2.0 – 1.3 1.2 0.2

Professional and related ...................................... 1.3 1.3 – 2.5 2.5 – 0.8 0.8 0.1

Service ..................................................................... 2.6 2.6 – 4.8 4.8 – 2.5 – –

Sales and office ....................................................... 0.9 0.9 – 1.5 1.5 – 0.9 0.7 0.4

Sales and related ................................................. 2.2 – – 2.3 2.3 – 1.5 – –

Office and administrative support ........................ 0.6 0.6 – 1.8 1.8 – 1.0 0.8 0.5

Natural resources, construction, and maintenance 3.4 – – 4.3 4.3 – 2.0 – –

Installation, maintenance, and repair ................... 2.2 – – 4.0 4.0 – 3.1 – –

Production, transportation, and material moving ..... 2.2 2.2 – 2.5 2.5 – 1.0 1.0 –

Production ............................................................ 2.0 2.0 – 2.0 2.0 – 1.8 1.8 –

Transportation and material moving .................... 3.8 3.8 – 5.1 5.1 – 0.3 – –

Full time ................................................................... 0.8 0.8 – 1.3 1.3 – 0.6 0.6 0.2

Part time .................................................................. 3.4 – – 5.5 5.5 – 0.9 – –

Union ....................................................................... 2.5 2.5 – 3.5 3.5 – 2.5 2.5 –

Nonunion ................................................................. 0.8 0.8 – 1.3 1.3 – 0.5 0.5 0.2

Average wage within the following categories1:

Second 25 percent ............................................... 1.8 1.8 – 2.3 2.3 – 0.8 0.7 0.3

Third 25 percent ................................................... 1.1 1.1 – 1.7 1.7 – 1.1 1.0 0.2

Highest 25 percent ............................................... 1.0 1.0 – 1.6 1.6 – 0.8 0.8 0.1

Highest 10 percent ........................................... 1.6 1.6 – 2.1 2.1 – 1.3 1.3 0.1

Establishment characteristics

Goods-producing industries ..................................... 2.4 – – 2.5 2.5 – 0.8 0.8 –

Manufacturing ...................................................... 1.5 1.5 – 1.7 1.7 – 1.2 1.2 –

Service-providing industries ..................................... 0.7 0.7 – 1.6 1.6 – 0.7 0.7 0.2

Trade, transportation, and utilities ....................... 1.4 1.4 – 2.3 2.3 – 0.5 0.5 –

Retail trade ...................................................... 1.0 – – 2.1 2.1 – 1.0 – –

Financial activities ................................................ 0.5 0.5 – 1.5 1.5 – 1.8 1.2 1.0

Finance and insurance .................................... 0.6 0.6 – 1.7 1.7 – 2.1 1.2 1.2

Credit intermediation and related activities .. 1.0 – – 2.3 2.3 – 2.9 – –

Insurance carriers and related activities ...... 1.3 – – 2.9 2.9 – 2.1 2.0 0.3

Professional and business services ..................... 2.2 – – 3.2 3.2 – 1.5 – –

Education and health services ............................. 2.1 2.1 – 3.7 3.7 – 1.9 1.8 0.3

Educational services ........................................ 1.7 1.7 – 2.7 2.7 – 0.4 – –

Junior colleges, colleges, and universities ... 2.7 2.7 – 4.0 4.0 – 0.7 – –

Health care and social assistance ................... 2.4 2.4 – 4.3 4.3 – 2.2 2.1 0.4

See footnotes at end of table.
Table 17. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, 2015—continued

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

1 to 99 workers ........................................................ 1.3 1.3 – 2.1 2.1 – 1.0 0.9 0.2

50 to 99 workers .................................................. 1.7 – – 3.8 3.8 – 1.3 – –

100 workers or more ................................................ 0.8 0.8 – 1.2 1.2 – 0.7 0.7 0.2

100 to 499 workers .............................................. 1.1 1.1 – 1.6 1.6 – 1.1 1.0 0.3

500 workers or more ............................................ 1.4 1.4 – 1.8 1.8 – 0.8 0.8 0.2

Geographic areas

Northeast ................................................................. 1.9 1.9 – 3.7 3.7 – 2.0 2.0 –

New England ....................................................... 5.2 – – 4.3 4.3 – 3.9 – –

Middle Atlantic ..................................................... 1.9 1.9 – 4.4 4.4 – 2.3 2.3 –

South ....................................................................... 1.6 1.6 – 2.3 2.3 – 1.0 0.9 0.3

South Atlantic ....................................................... 1.1 1.1 – 2.2 2.2 – 1.1 0.8 0.6

East South Central ............................................... 2.0 2.0 – 7.2 – – 1.6 – –

West South Central .............................................. 4.2 – – 4.9 4.9 – 2.1 – –

Midwest .................................................................... 0.6 0.6 – 2.6 2.6 – 0.9 0.8 0.4

East North Central ............................................... 0.8 0.8 – 3.0 3.0 – 1.2 1.1 0.3

West North Central .............................................. 0.9 0.9 – 4.7 4.7 – 1.0 – –

West ......................................................................... 2.0 2.0 – 2.1 2.1 – 1.1 – –

Mountain .............................................................. 3.9 – – 4.3 – – 0.3 – –

Pacific .................................................................. 2.2 – – 2.3 2.3 – 1.8 – –

1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 18. Fee-for-service plans: Coverage for selected services,1

 private industry

workers, 2015

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

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Worker characteristics

All workers ............................................................... 97 93 93 100

Management, professional, and related .................. 97 93 93 100

Management, business, and financial ................. 97 93 93 100

Professional and related ...................................... 97 93 93 99

Service ..................................................................... 95 94 94 99

Sales and office ....................................................... 97 92 92 100

Sales and related ................................................. 97 96 96 100

Office and administrative support ........................ 97 90 90 100

Natural resources, construction, and maintenance 99 93 93 100

Installation, maintenance, and repair ................... 100 91 91 100

Production, transportation, and material moving ..... 98 94 94 100

Production ............................................................ 98 93 93 100

Transportation and material moving .................... 98 96 96 100

Full time ................................................................... 97 93 93 100

Part time .................................................................. 99 98 97 99

Union ....................................................................... 99 97 96 98

Nonunion ................................................................. 97 93 92 100

Average wage within the following categories2:

Second 25 percent ............................................... 97 93 93 100

Third 25 percent ................................................... 98 92 92 100

Highest 25 percent ............................................... 97 94 93 100

Highest 10 percent ........................................... 98 94 94 99

Establishment characteristics

Goods-producing industries ..................................... 96 90 90 100

Manufacturing ...................................................... 96 90 90 100

Service-providing industries ..................................... 97 94 94 100

Trade, transportation, and utilities ....................... 99 95 95 100

Retail trade ...................................................... 99 96 96 100

Financial activities ................................................ 98 89 89 100

Finance and insurance .................................... 98 86 86 100

Credit intermediation and related activities .. 99 81 81 100

Insurance carriers and related activities ...... 99 96 96 99

Professional and business services ..................... 99 96 96 100

Education and health services ............................. 97 95 94 99

Educational services ........................................ 100 96 99 100

Junior colleges, colleges, and universities ... 100 94 98 100

Health care and social assistance ................... 96 94 93 99

See footnotes at end of table.
Table 18. Fee-for-service plans: Coverage for selected services,1

 private industry

workers, 2015—continued

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

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

1 to 99 workers ........................................................ 98 92 92 100

50 to 99 workers .................................................. 99 90 90 100

100 workers or more ................................................ 96 94 94 99

100 to 499 workers .............................................. 97 95 95 99

500 workers or more ............................................ 96 93 91 99

Geographic areas

Northeast ................................................................. 98 94 92 99

New England ....................................................... 98 96 96 100

Middle Atlantic ..................................................... 98 93 91 99

South ....................................................................... 98 94 94 100

South Atlantic ....................................................... 99 95 95 100

East South Central ............................................... 97 92 92 100

West South Central .............................................. 99 93 93 100

Midwest .................................................................... 95 92 92 100

East North Central ............................................... 94 91 91 100

West North Central .............................................. 97 94 94 100

West ......................................................................... 97 93 93 99

Mountain .............................................................. 97 95 95 100

Pacific .................................................................. 97 92 91 99

1 The remaining workers include both workers not receiving the benefit and workers for whom the availability of the benefit

could not be determined. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include

workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using

data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 18. Standard errors for fee-for-service plans: Coverage for selected

services,1

 private industry workers, 2015

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Worker characteristics

All workers ............................................................... 0.5 0.7 0.7 0.1

Management, professional, and related .................. 0.5 1.1 1.1 0.2

Management, business, and financial ................. 0.8 1.1 1.1 0.3

Professional and related ...................................... 0.7 1.7 1.6 0.3

Service ..................................................................... 2.0 2.1 2.1 0.3

Sales and office ....................................................... 0.7 1.1 1.1 0.1

Sales and related ................................................. 1.2 1.6 1.6 0.2

Office and administrative support ........................ 0.9 1.5 1.5 0.1

Natural resources, construction, and maintenance 0.6 1.5 1.5 0.1

Installation, maintenance, and repair ................... 0.1 2.6 2.6 0.2

Production, transportation, and material moving ..... 1.2 1.4 1.4 2 ( )

Production ............................................................ 1.4 2.1 2.1 2 ( )

Transportation and material moving .................... 1.1 1.9 1.9 2 ( )

Full time ................................................................... 0.5 0.7 0.7 0.1

Part time .................................................................. 0.5 0.7 0.8 0.5

Union ....................................................................... 0.9 1.2 1.4 0.6

Nonunion ................................................................. 0.5 0.8 0.8 0.1

Average wage within the following categories3:

Second 25 percent ............................................... 1.0 1.1 1.1 0.1

Third 25 percent ................................................... 0.5 1.2 1.2 0.1

Highest 25 percent ............................................... 0.5 0.9 0.9 0.2

Highest 10 percent ........................................... 0.8 1.4 1.4 0.4

Establishment characteristics

Goods-producing industries ..................................... 1.2 1.4 1.4 0.2

Manufacturing ...................................................... 1.4 1.6 1.6 0.3

Service-providing industries ..................................... 0.6 0.8 0.8 0.1

Trade, transportation, and utilities ....................... 0.4 1.1 1.1 2 ( )

Retail trade ...................................................... 0.5 0.8 0.8 2 ( )

Financial activities ................................................ 0.6 1.7 1.7 0.4

Finance and insurance .................................... 0.8 1.9 1.9 0.5

Credit intermediation and related activities .. 0.4 3.5 3.5 2 ( )

Insurance carriers and related activities ...... 0.5 1.7 1.7 1.2

Professional and business services ..................... 0.8 2.0 1.7 2 ( )

Education and health services ............................. 1.5 1.0 1.4 0.5

Educational services ........................................ 2 ( ) 2.0 0.8 2 ( )

Junior colleges, colleges, and universities ... 2 ( ) 3.5 1.3 2 ( )

Health care and social assistance ................... 1.8 1.1 1.6 0.6

See footnotes at end of table.
Table 18. Standard errors for fee-for-service plans: Coverage for selected

services,1

 private industry workers, 2015—continued

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

1 to 99 workers ........................................................ 0.5 1.2 1.2 2 ( )

50 to 99 workers .................................................. 0.4 2.4 2.4 2 ( )

100 workers or more ................................................ 0.7 0.7 0.8 0.2

100 to 499 workers .............................................. 0.9 1.1 1.1 0.3

500 workers or more ............................................ 0.8 1.3 1.5 0.3

Geographic areas

Northeast ................................................................. 0.6 1.5 1.6 0.4

New England ....................................................... 1.3 1.5 1.5 2 ( )

Middle Atlantic ..................................................... 0.5 1.9 2.0 0.5

South ....................................................................... 0.6 1.2 1.2 0.1

South Atlantic ....................................................... 0.7 1.4 1.4 0.1

East South Central ............................................... 3.0 3.7 3.7 0.2

West South Central .............................................. 0.3 2.1 2.1 0.1

Midwest .................................................................... 1.6 1.1 1.1 2 ( )

East North Central ............................................... 2.3 1.4 1.4 2 ( )

West North Central .............................................. 1.5 1.6 1.6 2 ( )

West ......................................................................... 0.8 1.7 1.7 0.4

Mountain .............................................................. 2.0 2.3 2.3 2 ( )

Pacific .................................................................. 0.6 2.3 2.3 0.6

1 The remaining workers include both workers not receiving the benefit and workers for whom the availability of the benefit

could not be determined. 2 Less than 0.05. 3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include

workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using

data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 19. Fee-for-service plans: Type and amount of annual individual deductible, private industry workers, 2015

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

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with 2

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Most

generous

coverage1

Worker characteristics

All workers ............................................................... 93 – – 65 $1,250 $2,400 – – 7 –

Management, professional, and related .................. 95 – – 65 1,000 2,000 – – 5 –

Management, business, and financial ................. 95 – – 64 1,200 2,000 $1,300 – 5 –

Professional and related ...................................... 94 – – 67 1,000 2,000 – – 6 –

Service ..................................................................... 91 – – 60 – – – – 9 –

Sales and office ....................................................... 96 – – 73 1,500 3,000 – – 4 –

Sales and related ................................................. 96 – – 74 1,750 3,500 – – – –

Office and administrative support ........................ 96 – – 72 1,500 3,000 – – 4 –

Natural resources, construction, and maintenance 90 – – 65 1,000 2,000 1,000 – – –

Installation, maintenance, and repair ................... 95 – – 77 – – – – – –

Production, transportation, and material moving ..... 89 – – 59 1,300 2,600 1,300 – 11 –

Production ............................................................ 93 – – 64 1,400 3,000 1,300 – 7 –

Transportation and material moving .................... 85 – – 52 1,000 – – – 15 –

Full time ................................................................... 94 – – 65 1,250 2,400 – – 6 –

Part time .................................................................. 89 – – 69 1,750 3,000 – – – –

Union ....................................................................... 84 – – 50 1,000 1,300 1,000 – 16 –

Nonunion ................................................................. 95 – – 68 1,300 2,500 – – 5 –

Average wage within the following categories3:

Second 25 percent ............................................... 92 – – 66 1,500 3,000 – – 8 –

Third 25 percent ................................................... 93 – – 66 1,200 2,400 1,200 – 7 –

Highest 25 percent ............................................... 94 – – 65 1,000 2,000 1,000 – 6 –

Highest 10 percent ........................................... 94 – – 62 1,000 2,000 – – 6 –

Establishment characteristics

Goods-producing industries ..................................... 92 – – 62 1,000 2,250 – – – –

Manufacturing ...................................................... 94 – – 62 1,300 2,500 – – 6 –

Service-providing industries ..................................... 94 – – 66 1,250 2,400 – – 6 –

Trade, transportation, and utilities ....................... 94 – – 72 1,500 3,000 – – 6 –

Retail trade ...................................................... 98 – – 78 1,750 3,500 – – – –

Financial activities ................................................ 98 – – 71 1,500 2,500 – – 2 –

Finance and insurance .................................... 98 – – 66 1,500 2,500 1,500 – 2 –

Credit intermediation and related activities .. 98 – – 75 1,500 2,500 1,500 – – –

Insurance carriers and related activities ...... 97 – – 58 1,500 2,250 – – – –

Professional and business services ..................... 93 – – 68 1,500 3,000 – – – –

Education and health services ............................. 92 – – 59 1,000 2,000 – – 8 –

Educational services ........................................ 93 40 – 53 – 1,000 – – 7 –

Junior colleges, colleges, and universities ... 88 23 – 66 – 1,000 – – 12 –

Health care and social assistance ................... 92 – – 60 1,000 2,400 – – 8 –

See footnotes at end of table.
Table 19. Fee-for-service plans: Type and amount of annual individual deductible, private industry workers, 2015—continued

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

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with 2

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Most

generous

coverage1

1 to 99 workers ........................................................ 94 – – 65 $1,500 $2,600 $2,750 – 6 –

50 to 99 workers .................................................. 96 – – 65 1,250 – – – – –

100 workers or more ................................................ 92 – – 65 1,150 2,250 – – 8 –

100 to 499 workers .............................................. 92 – – 68 1,500 3,000 1,500 – 8 –

500 workers or more ............................................ 92 – – 62 1,000 2,000 – – 8 –

Geographic areas

Northeast ................................................................. 92 – – 61 1,000 2,000 – – 8 –

New England ....................................................... 93 – – 65 1,000 – – – – –

Middle Atlantic ..................................................... 92 – – 60 1,000 2,000 1,000 – 8 –

South ....................................................................... 94 – – 67 1,500 3,000 – – 6 –

South Atlantic ....................................................... 95 – – 69 1,500 2,500 – – 5 –

East South Central ............................................... 92 – – 64 1,500 3,000 – – 8 –

West South Central .............................................. 93 – – 66 1,500 3,000 – – – –

Midwest .................................................................... 94 – – 71 1,500 3,000 1,300 – 6 –

East North Central ............................................... 94 – – 75 1,500 3,000 1,300 – 6 –

West North Central .............................................. 93 – – 63 1,250 2,500 1,500 – 7 –

West ......................................................................... 93 – – 59 1,000 2,000 – – 7 –

Mountain .............................................................. 93 – – 70 – – – – – –

Pacific .................................................................. 93 – – 53 1,000 2,000 – – – –

1 Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service plans. 2 Deductible amount vary by additional factors such as employee length of service, salary range, or age of enrollee. 3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories were formed using

percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 19. Standard errors for fee-for-service plans: Type and amount of annual individual deductible, private industry workers, 2015

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with 2

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Most generous

coverage1

Worker characteristics

All workers ............................................................... 0.8 – – 1.3 $108 $205 – – 0.8 –

Management, professional, and related .................. 0.8 – – 2.3 150 281 – – 0.8 –

Management, business, and financial ................. 1.0 – – 3.1 246 270 $221 – 1.0 –

Professional and related ...................................... 1.3 – – 2.9 114 285 – – 1.3 –

Service ..................................................................... 2.6 – – 3.3 – – – – 2.6 –

Sales and office ....................................................... 0.9 – – 1.8 65 91 – – 0.9 –

Sales and related ................................................. 2.2 – – 3.0 175 187 – – – –

Office and administrative support ........................ 0.7 – – 2.0 0 279 – – 0.7 –

Natural resources, construction, and maintenance 3.4 – – 3.6 174 297 0 – – –

Installation, maintenance, and repair ................... 2.2 – – 3.3 – – – – – –

Production, transportation, and material moving ..... 2.2 – – 2.5 330 499 0 – 2.2 –

Production ............................................................ 2.0 – – 2.5 226 509 0 – 2.0 –

Transportation and material moving .................... 3.8 – – 4.1 208 – – – 3.8 –

Full time ................................................................... 0.8 – – 1.4 156 206 – – 0.8 –

Part time .................................................................. 3.4 – – 3.8 121 878 – – – –

Union ....................................................................... 2.5 – – 3.6 266 312 300 – 2.5 –

Nonunion ................................................................. 0.8 – – 1.4 208 226 – – 0.8 –

Average wage within the following categories3:

Second 25 percent ............................................... 1.8 – – 2.2 0 0 – – 1.8 –

Third 25 percent ................................................... 1.1 – – 2.1 242 271 253 – 1.1 –

Highest 25 percent ............................................... 1.0 – – 2.1 49 0 278 – 1.0 –

Highest 10 percent ........................................... 1.6 – – 2.8 45 169 – – 1.6 –

Establishment characteristics

Goods-producing industries ..................................... 2.4 – – 2.2 240 433 – – – –

Manufacturing ...................................................... 1.5 – – 2.3 360 401 – – 1.5 –

Service-providing industries ..................................... 0.7 – – 1.5 163 291 – – 0.7 –

Trade, transportation, and utilities ....................... 1.4 – – 2.3 77 397 – – 1.4 –

Retail trade ...................................................... 1.0 – – 2.3 246 0 – – – –

Financial activities ................................................ 0.5 – – 2.0 0 0 – – 0.5 –

Finance and insurance .................................... 0.6 – – 2.6 0 0 0 – 0.6 –

Credit intermediation and related activities .. 1.0 – – 3.3 0 139 0 – – –

Insurance carriers and related activities ...... 1.3 – – 3.3 264 202 – – – –

Professional and business services ..................... 2.2 – – 2.9 0 0 – – – –

Education and health services ............................. 2.1 – – 4.3 0 415 – – 2.1 –

Educational services ........................................ 1.7 5.2 – 5.1 – 52 – – 1.7 –

Junior colleges, colleges, and universities ... 2.7 3.7 – 3.7 – 103 – – 2.7 –

Health care and social assistance ................... 2.4 – – 4.9 27 527 – – 2.4 –

See footnotes at end of table.
Table 19. Standard errors for fee-for-service plans: Type and amount of annual individual deductible, private industry workers, 2015—continued

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with 2

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Most generous

coverage1

1 to 99 workers ........................................................ 1.3 – – 2.4 $87 $471 $658 – 1.3 –

50 to 99 workers .................................................. 1.7 – – 4.9 350 – – – – –

100 workers or more ................................................ 0.8 – – 1.3 215 236 – – 0.8 –

100 to 499 workers .............................................. 1.1 – – 2.3 171 321 268 – 1.1 –

500 workers or more ............................................ 1.4 – – 2.1 0 235 – – 1.4 –

Geographic areas

Northeast ................................................................. 1.8 – – 2.7 18 202 – – 1.8 –

New England ....................................................... 5.2 – – 6.6 117 – – – – –

Middle Atlantic ..................................................... 1.9 – – 3.0 95 79 0 – 1.9 –

South ....................................................................... 1.6 – – 2.1 149 325 – – 1.6 –

South Atlantic ....................................................... 1.1 – – 3.5 163 375 – – 1.1 –

East South Central ............................................... 2.0 – – 4.1 276 707 – – 2.0 –

West South Central .............................................. 4.2 – – 3.2 381 364 – – – –

Midwest .................................................................... 0.7 – – 2.0 84 357 150 – 0.7 –

East North Central ............................................... 0.8 – – 2.1 9 183 223 – 0.8 –

West North Central .............................................. 1.2 – – 3.8 355 745 184 – 1.2 –

West ......................................................................... 1.9 – – 3.5 0 0 – – 1.9 –

Mountain .............................................................. 3.5 – – 6.5 – – – – – –

Pacific .................................................................. 2.2 – – 3.8 0 594 – – – –

1 Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service plans. 2 Deductible amount vary by additional factors such as employee length of service, salary range, or age of enrollee. 3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories were formed using

percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 20. Fee-for-service plans: Type and amount of annual family deductible, private industry workers, 2015

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

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with 2

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Most

generous

coverage1

Worker characteristics

All workers ............................................................... 93 – – 65 $3,000 $5,800 – – 7 –

Management, professional, and related .................. 95 – – 65 2,600 5,000 – – 5 –

Management, business, and financial ................. 95 – – 64 2,600 4,800 $2,700 – 5 –

Professional and related ...................................... 94 – – 66 2,600 5,000 – – 6 –

Service ..................................................................... 91 – – 59 – – – – 9 –

Sales and office ....................................................... 96 – – 73 3,200 6,000 3,600 – 4 –

Sales and related ................................................. 95 – – 73 4,000 7,600 – – – –

Office and administrative support ........................ 97 – – 72 3,000 6,000 – – 3 –

Natural resources, construction, and maintenance 90 – – 65 2,400 4,000 2,000 – – –

Installation, maintenance, and repair ................... 94 – – 77 3,000 4,500 – – – –

Production, transportation, and material moving ..... 87 – – 57 3,000 6,000 3,000 – 13 –

Production ............................................................ 93 – – 64 3,000 6,000 3,000 – 7 –

Transportation and material moving .................... 81 – – 48 – 4,500 – – 19 –

Full time ................................................................... 93 – – 65 3,000 5,500 – – 7 –

Part time .................................................................. 88 – – 68 3,500 – 3,000 – 12 –

Union ....................................................................... 83 – – 50 2,000 2,600 3,000 – 17 –

Nonunion ................................................................. 94 – – 67 3,000 6,000 – – 6 –

Average wage within the following categories3:

Second 25 percent ............................................... 91 – – 65 3,000 6,000 – – 9 –

Third 25 percent ................................................... 93 – – 65 3,000 6,000 2,600 – 7 –

Highest 25 percent ............................................... 93 – – 64 2,500 4,800 – – 7 –

Highest 10 percent ........................................... 94 – – 62 2,800 5,000 – – 6 –

Establishment characteristics

Goods-producing industries ..................................... 92 – – 62 3,000 6,000 – – 8 –

Manufacturing ...................................................... 94 – – 62 3,000 6,000 – – 6 –

Service-providing industries ..................................... 93 – – 66 3,000 5,000 – – 7 –

Trade, transportation, and utilities ....................... 93 – – 71 3,000 6,000 – – 7 –

Retail trade ...................................................... 95 – – 76 3,500 7,000 – – – –

Financial activities ................................................ 98 – – 71 3,000 5,000 – – 2 –

Finance and insurance .................................... 97 – – 65 3,000 5,000 2,600 – 3 –

Credit intermediation and related activities .. 97 – – 74 3,000 5,000 2,600 – – –

Insurance carriers and related activities ...... 97 – – 58 3,000 5,000 – – – –

Professional and business services ..................... 94 – – 69 3,600 7,000 – – – –

Education and health services ............................. 91 – – 58 2,100 5,000 – – 9 –

Educational services ........................................ 93 40 – 53 1,500 2,500 2,000 – 7 –

Junior colleges, colleges, and universities ... 88 23 $2,000 65 1,800 3,000 2,000 – 12 –

Health care and social assistance ................... 91 – – 59 2,300 5,000 – – 9 –

See footnotes at end of table.
Table 20. Fee-for-service plans: Type and amount of annual family deductible, private industry workers, 2015—continued

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

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with 2

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Most

generous

coverage1

1 to 99 workers ........................................................ 94 – – 65 $3,000 $6,000 $4,500 – 6 –

50 to 99 workers .................................................. 95 – – 64 2,500 5,500 – – – –

100 workers or more ................................................ 92 – – 65 3,000 5,000 – – 8 –

100 to 499 workers .............................................. 92 – – 67 3,000 6,000 3,000 – 8 –

500 workers or more ............................................ 92 – – 62 2,250 4,000 1,500 – 8 –

Geographic areas

Northeast ................................................................. 92 – – 61 2,600 4,800 – – 8 –

New England ....................................................... 93 – – 65 – – – – – –

Middle Atlantic ..................................................... 91 – – 60 3,000 5,000 3,000 – 9 –

South ....................................................................... 93 – – 66 3,000 6,000 – – 7 –

South Atlantic ....................................................... 94 – – 68 3,000 5,000 – – 6 –

East South Central ............................................... 91 – – 63 3,000 7,000 4,000 – 9 –

West South Central .............................................. 93 – – 66 3,000 6,750 – – – –

Midwest .................................................................... 93 – – 71 3,000 6,000 3,000 – 7 –

East North Central ............................................... 93 – – 74 3,000 6,000 3,000 – 7 –

West North Central .............................................. 93 – – 63 3,000 6,000 3,000 – 7 –

West ......................................................................... 92 – – 58 2,000 4,000 – – 8 –

Mountain .............................................................. 92 – – 69 – – – – – –

Pacific .................................................................. 92 – – 52 2,250 – – – 8 –

1 Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service plans. 2 Deductible amount vary by additional factors such as employee length of service, salary range, or age of enrollee. 3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories were formed

using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 20. Standard errors for fee-for-service plans: Type and amount of annual family deductible, private industry workers, 2015

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with 2

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Most

generous

coverage1

Worker characteristics

All workers ............................................................... 0.8 – – 1.4 $0 $767 – – 0.8 –

Management, professional, and related .................. 0.9 – – 2.3 469 97 – – 0.9 –

Management, business, and financial ................. 1.0 – – 3.1 483 277 $444 – 1.0 –

Professional and related ...................................... 1.3 – – 2.9 536 373 – – 1.3 –

Service ..................................................................... 2.6 – – 3.2 – – – – 2.6 –

Sales and office ....................................................... 0.9 – – 1.8 457 776 861 – 0.9 –

Sales and related ................................................. 2.2 – – 3.0 383 1,054 – – – –

Office and administrative support ........................ 0.6 – – 2.0 0 0 – – 0.6 –

Natural resources, construction, and maintenance 3.4 – – 3.6 686 509 0 – – –

Installation, maintenance, and repair ................... 2.2 – – 3.3 699 1,244 – – – –

Production, transportation, and material moving ..... 2.5 – – 3.0 84 0 0 – 2.5 –

Production ............................................................ 2.0 – – 2.5 0 91 0 – 2.0 –

Transportation and material moving .................... 4.6 – – 5.4 – 1,236 – – 4.6 –

Full time ................................................................... 0.8 – – 1.4 120 805 – – 0.8 –

Part time .................................................................. 3.7 – – 3.8 180 – 826 – 3.7 –

Union ....................................................................... 2.7 – – 3.6 353 603 0 – 2.7 –

Nonunion ................................................................. 0.8 – – 1.5 0 290 – – 0.8 –

Average wage within the following categories3:

Second 25 percent ............................................... 1.9 – – 2.3 0 474 – – 1.9 –

Third 25 percent ................................................... 1.1 – – 2.1 266 876 602 – 1.1 –

Highest 25 percent ............................................... 1.0 – – 2.1 289 651 – – 1.0 –

Highest 10 percent ........................................... 1.6 – – 2.8 440 329 – – 1.6 –

Establishment characteristics

Goods-producing industries ..................................... 2.4 – – 2.2 0 0 – – 2.4 –

Manufacturing ...................................................... 1.5 – – 2.3 0 0 – – 1.5 –

Service-providing industries ..................................... 0.8 – – 1.6 239 519 – – 0.8 –

Trade, transportation, and utilities ....................... 1.7 – – 2.7 165 1,001 – – 1.7 –

Retail trade ...................................................... 1.7 – – 2.8 659 0 – – – –

Financial activities ................................................ 0.7 – – 2.0 0 0 – – 0.7 –

Finance and insurance .................................... 0.8 – – 2.7 0 0 32 – 0.8 –

Credit intermediation and related activities .. 1.4 – – 3.6 0 406 0 – – –

Insurance carriers and related activities ...... 1.3 – – 3.3 206 302 – – – –

Professional and business services ..................... 2.2 – – 3.0 562 535 – – – –

Education and health services ............................. 2.1 – – 4.4 446 467 – – 2.1 –

Educational services ........................................ 1.7 5.2 – 5.1 391 657 308 – 1.7 –

Junior colleges, colleges, and universities ... 2.7 3.7 $595 3.7 432 680 308 – 2.7 –

Health care and social assistance ................... 2.4 – – 5.0 630 837 – – 2.4 –

See footnotes at end of table.
Table 20. Standard errors for fee-for-service plans: Type and amount of annual family deductible, private industry workers, 2015—continued

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with 2

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Most

generous

coverage1

1 to 99 workers ........................................................ 1.4 – – 2.5 $0 $574 $944 – 1.4 –

50 to 99 workers .................................................. 1.5 – – 4.8 683 760 – – – –

100 workers or more ................................................ 0.8 – – 1.4 391 1,116 – – 0.8 –

100 to 499 workers .............................................. 1.1 – – 2.3 0 73 504 – 1.1 –

500 workers or more ............................................ 1.5 – – 2.2 336 888 403 – 1.5 –

Geographic areas

Northeast ................................................................. 1.8 – – 2.7 531 1,093 – – 1.8 –

New England ....................................................... 5.2 – – 6.6 – – – – – –

Middle Atlantic ..................................................... 1.8 – – 3.0 583 876 0 – 1.8 –

South ....................................................................... 1.7 – – 2.2 91 540 – – 1.7 –

South Atlantic ....................................................... 1.7 – – 3.9 226 513 – – 1.7 –

East South Central ............................................... 2.1 – – 3.6 664 137 500 – 2.1 –

West South Central .............................................. 4.2 – – 3.2 321 986 – – – –

Midwest .................................................................... 0.5 – – 2.2 0 0 0 – 0.5 –

East North Central ............................................... 0.6 – – 2.4 0 0 0 – 0.6 –

West North Central .............................................. 0.9 – – 3.8 126 597 283 – 0.9 –

West ......................................................................... 2.0 – – 3.8 537 1,062 – – 2.0 –

Mountain .............................................................. 3.8 – – 6.5 – – – – – –

Pacific .................................................................. 2.3 – – 4.5 391 – – – 2.3 –

1 Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service plans. 2 Deductible amount vary by additional factors such as employee length of service, salary range, or age of enrollee. 3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories were formed using

percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 21. Fee-for-service plans: Amount of annual individual deductible, private industry workers, 2015

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

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 93 $250 $500 $1,100 $2,000 $2,750 7 –

Management, professional, and related .................. 95 300 500 1,000 1,800 2,500 5 –

Management, business, and financial ................. 95 300 500 1,200 1,850 2,500 5 –

Professional and related ...................................... 94 250 500 1,000 1,750 2,500 6 –

Service ..................................................................... 91 200 – – 1,800 3,000 9 –

Sales and office ....................................................... 96 350 750 1,500 2,500 3,000 4 –

Sales and related ................................................. 96 400 750 1,750 2,750 – – –

Office and administrative support ........................ 96 300 500 1,500 2,000 2,750 4 –

Natural resources, construction, and maintenance 90 200 300 – 1,500 3,000 – –

Installation, maintenance, and repair ................... 95 – 500 – 2,000 3,000 – –

Production, transportation, and material moving ..... 89 250 500 1,000 2,000 – 11 –

Production ............................................................ 93 300 500 1,300 2,000 5,000 7 –

Transportation and material moving .................... 85 250 – 1,000 2,000 3,000 15 –

Full time ................................................................... 94 250 500 1,100 2,000 2,850 6 –

Part time .................................................................. 89 300 600 1,550 2,500 2,750 – –

Union ....................................................................... 84 200 250 500 – 2,000 16 –

Nonunion ................................................................. 95 300 500 1,300 2,000 3,000 5 –

Average wage within the following categories1:

Second 25 percent ............................................... 92 250 500 1,500 2,000 3,000 8 –

Third 25 percent ................................................... 93 250 500 1,000 2,000 3,000 7 –

Highest 25 percent ............................................... 94 250 500 1,000 1,650 2,500 6 –

Highest 10 percent ........................................... 94 250 500 1,000 1,550 2,500 6 –

Establishment characteristics

Goods-producing industries ..................................... 92 250 500 1,000 2,000 3,000 – –

Manufacturing ...................................................... 94 300 500 1,000 2,000 3,500 6 –

Service-providing industries ..................................... 94 250 500 1,250 2,000 2,750 6 –

Trade, transportation, and utilities ....................... 94 250 500 1,450 2,500 3,000 6 –

Retail trade ...................................................... 98 – 750 1,750 2,750 3,000 – –

Financial activities ................................................ 98 450 750 1,500 2,000 2,700 2 –

Finance and insurance .................................... 98 500 750 1,500 2,000 2,650 2 –

Credit intermediation and related activities .. 98 500 1,000 1,500 2,000 2,700 – –

Insurance carriers and related activities ...... 97 450 750 1,300 2,000 2,700 – –

Professional and business services ..................... 93 300 750 1,500 2,000 2,500 – –

Education and health services ............................. 92 300 500 1,000 1,750 2,500 8 –

Educational services ........................................ 93 250 300 – 1,500 2,000 7 –

Junior colleges, colleges, and universities ... 88 250 300 – – 2,500 12 –

Health care and social assistance ................... 92 300 500 1,000 1,750 2,500 8 –

See footnotes at end of table.
Table 21. Fee-for-service plans: Amount of annual individual deductible, private industry workers, 2015—continued

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

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 94 $300 $500 $1,250 $2,000 $3,000 6 –

50 to 99 workers .................................................. 96 250 500 1,000 2,000 4,000 – –

100 workers or more ................................................ 92 250 500 1,000 1,900 2,750 8 –

100 to 499 workers .............................................. 92 250 500 1,300 2,000 3,000 8 –

500 workers or more ............................................ 92 250 400 1,000 1,500 2,000 8 –

Geographic areas

Northeast ................................................................. 92 250 500 1,150 1,800 2,500 8 –

New England ....................................................... 93 – 500 – 1,500 2,500 – –

Middle Atlantic ..................................................... 92 250 500 1,250 2,000 – 8 –

South ....................................................................... 94 250 500 1,250 2,250 3,000 6 –

South Atlantic ....................................................... 95 250 500 1,250 2,500 3,500 5 –

East South Central ............................................... 92 500 750 1,100 – 3,000 8 –

West South Central .............................................. 93 250 500 1,300 2,000 3,000 – –

Midwest .................................................................... 94 300 500 1,300 2,000 2,750 6 –

East North Central ............................................... 94 300 600 1,500 2,000 2,750 6 –

West North Central .............................................. 93 350 500 – 2,000 2,500 7 –

West ......................................................................... 93 250 300 1,000 1,500 2,500 7 –

Mountain .............................................................. 93 200 – 1,000 1,500 2,500 – –

Pacific .................................................................. 93 250 300 1,000 1,500 2,500 – –

1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 21. Standard errors for fee-for-service plans: Amount of annual individual deductible, private industry workers, 2015

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 0.8 $0 $0 $130 $0 $229 0.8 –

Management, professional, and related .................. 0.8 62 0 55 143 0 0.8 –

Management, business, and financial ................. 1.0 47 0 190 174 61 1.0 –

Professional and related ...................................... 1.3 63 0 36 221 168 1.3 –

Service ..................................................................... 2.6 58 – – 260 293 2.6 –

Sales and office ....................................................... 0.9 64 118 0 421 66 0.9 –

Sales and related ................................................. 2.2 87 164 307 0 – – –

Office and administrative support ........................ 0.7 30 122 179 0 49 0.7 –

Natural resources, construction, and maintenance 3.4 55 64 – 243 164 – –

Installation, maintenance, and repair ................... 2.2 – 47 – 204 848 – –

Production, transportation, and material moving ..... 2.2 16 0 163 0 – 2.2 –

Production ............................................................ 2.0 34 0 309 463 1,012 2.0 –

Transportation and material moving .................... 3.8 54 – 149 0 223 3.8 –

Full time ................................................................... 0.8 0 0 139 0 220 0.8 –

Part time .................................................................. 3.4 54 151 253 267 0 – –

Union ....................................................................... 2.5 22 12 28 – 258 2.5 –

Nonunion ................................................................. 0.8 10 18 76 0 248 0.8 –

Average wage within the following categories1:

Second 25 percent ............................................... 1.8 29 0 111 271 0 1.8 –

Third 25 percent ................................................... 1.1 22 0 18 0 226 1.1 –

Highest 25 percent ............................................... 1.0 0 26 0 205 0 1.0 –

Highest 10 percent ........................................... 1.6 0 66 52 221 73 1.6 –

Establishment characteristics

Goods-producing industries ..................................... 2.4 13 61 0 442 534 – –

Manufacturing ...................................................... 1.5 24 0 174 295 961 1.5 –

Service-providing industries ..................................... 0.7 9 0 118 0 0 0.7 –

Trade, transportation, and utilities ....................... 1.4 9 0 296 332 0 1.4 –

Retail trade ...................................................... 1.0 – 201 0 0 220 – –

Financial activities ................................................ 0.5 75 163 52 0 265 0.5 –

Finance and insurance .................................... 0.6 74 102 0 0 143 0.6 –

Credit intermediation and related activities .. 1.0 61 292 0 65 351 – –

Insurance carriers and related activities ...... 1.3 102 103 296 65 114 – –

Professional and business services ..................... 2.2 68 202 63 0 237 – –

Education and health services ............................. 2.1 26 0 0 222 163 2.1 –

Educational services ........................................ 1.7 0 48 – 403 491 1.7 –

Junior colleges, colleges, and universities ... 2.7 26 34 – – 0 2.7 –

Health care and social assistance ................... 2.4 0 47 0 231 105 2.4 –

See footnotes at end of table.
Table 21. Standard errors for fee-for-service plans: Amount of annual individual deductible, private industry workers,

2015—continued

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 1.3 $9 $9 $266 $46 $55 1.3 –

50 to 99 workers .................................................. 1.7 40 18 135 258 1,072 – –

100 workers or more ................................................ 0.8 0 0 80 182 9 0.8 –

100 to 499 workers .............................................. 1.1 0 0 175 61 144 1.1 –

500 workers or more ............................................ 1.4 19 103 221 0 161 1.4 –

Geographic areas

Northeast ................................................................. 1.8 31 0 202 306 212 1.8 –

New England ....................................................... 5.2 – 13 – 398 297 – –

Middle Atlantic ..................................................... 1.9 31 0 254 272 – 1.9 –

South ....................................................................... 1.6 61 0 111 467 557 1.6 –

South Atlantic ....................................................... 1.1 13 0 90 115 769 1.1 –

East South Central ............................................... 2.0 86 0 277 – 0 2.0 –

West South Central .............................................. 4.2 20 0 264 209 382 – –

Midwest .................................................................... 0.7 61 85 161 0 82 0.7 –

East North Central ............................................... 0.8 54 158 262 78 313 0.8 –

West North Central .............................................. 1.2 69 0 – 0 260 1.2 –

West ......................................................................... 1.9 0 38 52 113 284 1.9 –

Mountain .............................................................. 3.5 30 – 0 253 316 – –

Pacific .................................................................. 2.2 0 33 203 147 488 – –

1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 22. Fee-for-service plans: Amount of annual family deductible, private industry workers, 2015

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

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 93 $600 $1,000 $2,600 $4,000 $6,000 7 –

Management, professional, and related .................. 95 600 1,100 2,500 4,000 5,000 5 –

Management, business, and financial ................. 95 700 1,200 2,600 4,000 5,000 5 –

Professional and related ...................................... 94 600 1,000 2,500 3,800 5,000 6 –

Service ..................................................................... 91 – 1,000 – 3,750 7,000 9 –

Sales and office ....................................................... 96 750 1,500 3,000 5,000 6,000 4 –

Sales and related ................................................. 95 1,000 2,250 3,600 5,500 – – –

Office and administrative support ........................ 97 700 1,500 3,000 4,000 5,500 3 –

Natural resources, construction, and maintenance 90 600 800 1,800 4,000 6,000 – –

Installation, maintenance, and repair ................... 94 – 1,000 – 4,500 7,500 – –

Production, transportation, and material moving ..... 87 500 1,000 2,500 4,500 7,000 13 –

Production ............................................................ 93 – – 3,000 4,550 10,000 7 –

Transportation and material moving .................... 81 500 1,000 2,000 4,000 5,500 19 –

Full time ................................................................... 93 600 1,000 2,600 4,000 6,000 7 –

Part time .................................................................. 88 700 1,400 3,500 5,500 – 12 –

Union ....................................................................... 83 400 600 1,000 3,000 4,500 17 –

Nonunion ................................................................. 94 700 1,200 3,000 4,000 6,000 6 –

Average wage within the following categories1:

Second 25 percent ............................................... 91 600 1,200 3,000 4,500 6,000 9 –

Third 25 percent ................................................... 93 600 1,000 2,500 4,000 6,000 7 –

Highest 25 percent ............................................... 93 600 1,000 2,500 3,750 5,000 7 –

Highest 10 percent ........................................... 94 – 1,000 2,600 3,600 5,000 6 –

Establishment characteristics

Goods-producing industries ..................................... 92 600 1,000 2,600 4,000 7,000 8 –

Manufacturing ...................................................... 94 600 1,000 3,000 4,000 7,000 6 –

Service-providing industries ..................................... 93 600 – 2,900 4,000 5,500 7 –

Trade, transportation, and utilities ....................... 93 600 1,000 2,600 5,250 6,000 7 –

Retail trade ...................................................... 95 – 2,000 3,500 5,500 6,000 – –

Financial activities ................................................ 98 1,000 1,800 3,000 4,000 5,300 2 –

Finance and insurance .................................... 97 1,000 1,600 3,000 4,000 5,300 3 –

Credit intermediation and related activities .. 97 1,000 2,000 3,000 4,000 5,450 – –

Insurance carriers and related activities ...... 97 1,000 1,800 3,000 4,000 5,450 – –

Professional and business services ..................... 94 750 1,500 3,000 4,500 – – –

Education and health services ............................. 91 700 – 2,000 3,500 5,000 9 –

Educational services ........................................ 93 500 750 – 3,000 5,000 7 –

Junior colleges, colleges, and universities ... 88 500 750 1,800 3,000 5,000 12 –

Health care and social assistance ................... 91 800 – – 3,600 5,000 9 –

See footnotes at end of table.
Table 22. Fee-for-service plans: Amount of annual family deductible, private industry workers, 2015—continued

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

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 94 $700 – $3,000 $4,500 $6,000 6 –

50 to 99 workers .................................................. 95 600 – 2,500 4,500 8,000 – –

100 workers or more ................................................ 92 – $1,000 2,500 4,000 5,500 8 –

100 to 499 workers .............................................. 92 600 – 3,000 4,500 6,000 8 –

500 workers or more ............................................ 92 500 1,000 2,000 3,000 4,500 8 –

Geographic areas

Northeast ................................................................. 92 500 1,000 3,000 4,000 5,000 8 –

New England ....................................................... 93 – – 2,500 – 5,000 – –

Middle Atlantic ..................................................... 91 500 1,000 3,000 4,000 5,000 9 –

South ....................................................................... 93 600 1,200 3,000 4,500 7,000 7 –

South Atlantic ....................................................... 94 600 1,100 2,800 5,000 7,500 6 –

East South Central ............................................... 91 1,000 1,650 3,000 4,500 7,000 9 –

West South Central .............................................. 93 – – 3,000 4,500 6,000 – –

Midwest .................................................................... 93 750 1,400 3,000 4,500 5,500 7 –

East North Central ............................................... 93 750 1,500 3,000 4,500 6,000 7 –

West North Central .............................................. 93 – – – 4,000 5,000 7 –

West ......................................................................... 92 500 750 2,000 3,000 5,400 8 –

Mountain .............................................................. 92 500 900 2,000 3,000 5,500 – –

Pacific .................................................................. 92 500 750 2,000 3,000 5,000 8 –

1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 22. Standard errors for fee-for-service plans: Amount of annual family deductible, private industry workers, 2015

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 0.8 $0 $90 $416 $0 $247 0.8 –

Management, professional, and related .................. 0.9 111 191 177 302 0 0.9 –

Management, business, and financial ................. 1.0 111 245 293 212 206 1.0 –

Professional and related ...................................... 1.3 80 213 378 344 129 1.3 –

Service ..................................................................... 2.6 – 235 – 413 1,048 2.6 –

Sales and office ....................................................... 0.9 84 120 71 551 122 0.9 –

Sales and related ................................................. 2.2 143 323 359 0 – – –

Office and administrative support ........................ 0.6 78 61 0 0 381 0.6 –

Natural resources, construction, and maintenance 3.4 58 108 486 468 795 – –

Installation, maintenance, and repair ................... 2.2 – 85 – 223 1,591 – –

Production, transportation, and material moving ..... 2.5 137 9 630 419 707 2.5 –

Production ............................................................ 2.0 – – 82 450 1,809 2.0 –

Transportation and material moving .................... 4.6 18 237 397 0 705 4.6 –

Full time ................................................................... 0.8 36 65 275 0 236 0.8 –

Part time .................................................................. 3.7 104 314 604 191 – 3.7 –

Union ....................................................................... 2.7 65 18 140 745 547 2.7 –

Nonunion ................................................................. 0.8 80 245 18 279 122 0.8 –

Average wage within the following categories1:

Second 25 percent ............................................... 1.9 26 282 0 260 705 1.9 –

Third 25 percent ................................................... 1.1 86 193 251 0 231 1.1 –

Highest 25 percent ............................................... 1.0 42 0 299 265 0 1.0 –

Highest 10 percent ........................................... 1.6 – 18 239 268 91 1.6 –

Establishment characteristics

Goods-producing industries ..................................... 2.4 0 18 452 182 1,056 2.4 –

Manufacturing ...................................................... 1.5 69 91 118 182 1,137 1.5 –

Service-providing industries ..................................... 0.8 49 – 404 0 465 0.8 –

Trade, transportation, and utilities ....................... 1.7 117 107 570 489 0 1.7 –

Retail trade ...................................................... 1.7 – 313 158 0 447 – –

Financial activities ................................................ 0.7 0 277 0 261 338 0.7 –

Finance and insurance .................................... 0.8 0 302 0 36 282 0.8 –

Credit intermediation and related activities .. 1.4 0 389 0 685 521 – –

Insurance carriers and related activities ...... 1.3 125 364 445 157 246 – –

Professional and business services ..................... 2.2 147 419 379 677 – – –

Education and health services ............................. 2.1 147 – 547 236 223 2.1 –

Educational services ........................................ 1.7 26 51 – 516 1,183 1.7 –

Junior colleges, colleges, and universities ... 2.7 0 13 393 886 1,239 2.7 –

Health care and social assistance ................... 2.4 214 – – 341 226 2.4 –

See footnotes at end of table.
Table 22. Standard errors for fee-for-service plans: Amount of annual family deductible, private industry workers,

2015—continued

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 1.4 $134 – $103 $303 $1,428 1.4 –

50 to 99 workers .................................................. 1.5 77 – 513 524 1,158 – –

100 workers or more ................................................ 0.8 – $0 165 176 0 0.8 –

100 to 499 workers .............................................. 1.1 127 – 18 358 0 1.1 –

500 workers or more ............................................ 1.5 0 134 257 52 613 1.5 –

Geographic areas

Northeast ................................................................. 1.8 130 86 468 332 133 1.8 –

New England ....................................................... 5.2 – – 559 – 881 – –

Middle Atlantic ..................................................... 1.8 132 68 343 272 769 1.8 –

South ....................................................................... 1.7 114 276 143 520 701 1.7 –

South Atlantic ....................................................... 1.7 126 177 433 241 891 1.7 –

East South Central ............................................... 2.1 83 245 104 562 1,576 2.1 –

West South Central .............................................. 4.2 – – 419 329 899 – –

Midwest .................................................................... 0.5 71 208 0 388 702 0.5 –

East North Central ............................................... 0.6 110 230 0 274 481 0.6 –

West North Central .............................................. 0.9 – – – 607 610 0.9 –

West ......................................................................... 2.0 29 146 136 406 624 2.0 –

Mountain .............................................................. 3.8 143 227 250 566 798 – –

Pacific .................................................................. 2.3 0 114 250 494 867 2.3 –

1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 23. Fee-for-service plans: Coinsurance percentage, private industry workers, 2015

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

Characteristics

Fixed coinsurance Variable coinsurance

With other

With fixed coinsurance

coinsurance

Median

coinsurance

percentage

With variable

coinsurance

Median coinsurance percentage

In-network Out-ofnetwork

Most

generous

coverage1

Worker characteristics

All workers ............................................................... – – 88 80 60 90 –

Management, professional, and related .................. – – 89 80 60 90 –

Management, business, and financial ................. – – 87 80 60 90 –

Professional and related ...................................... – – 91 80 60 90 –

Service ..................................................................... – – 83 80 60 90 –

Sales and office ....................................................... – – 89 80 60 80 –

Sales and related ................................................. 9 80 91 80 60 75 –

Office and administrative support ........................ – – 88 80 60 80 –

Natural resources, construction, and maintenance 13 80 87 80 60 90 –

Installation, maintenance, and repair ................... – – 89 80 60 90 –

Production, transportation, and material moving ..... 11 80 89 80 60 80 –

Production ............................................................ 7 80 93 80 60 80 –

Transportation and material moving .................... 16 80 84 80 60 90 –

Full time ................................................................... – – 88 80 60 90 –

Part time .................................................................. – – 90 80 60 90 –

Union ....................................................................... – – 87 80 60 90 –

Nonunion ................................................................. – – 88 80 60 90 –

Average wage within the following categories2:

Second 25 percent ............................................... – – 89 80 60 80 –

Third 25 percent ................................................... – – 89 80 60 90 –

Highest 25 percent ............................................... – – 89 80 60 90 –

Highest 10 percent ........................................... – – 88 80 60 90 –

Establishment characteristics

Goods-producing industries ..................................... 9 80 91 80 60 80 –

Manufacturing ...................................................... 8 80 92 80 60 80 –

Service-providing industries ..................................... – – 87 80 60 90 –

Trade, transportation, and utilities ....................... 11 80 89 80 60 90 –

Retail trade ...................................................... 10 80 90 80 50 – –

Financial activities ................................................ 10 80 90 80 60 75 –

Finance and insurance .................................... 9 80 91 80 60 80 –

Credit intermediation and related activities .. – – 94 80 60 75 –

Insurance carriers and related activities ...... 12 80 88 80 60 80 –

Professional and business services ..................... 13 80 87 80 60 – –

Education and health services ............................. – – 85 80 60 90 –

Educational services ........................................ – – 86 80 60 90 –

Junior colleges, colleges, and universities ... 9 90 91 90 70 90 –

Health care and social assistance ................... – – 85 80 60 90 –

See footnotes at end of table.
Table 23. Fee-for-service plans: Coinsurance percentage, private industry workers, 2015—continued

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

Characteristics

Fixed coinsurance Variable coinsurance

With other

With fixed coinsurance

coinsurance

Median

coinsurance

percentage

With variable

coinsurance

Median coinsurance percentage

In-network Out-ofnetwork

Most

generous

coverage1

1 to 99 workers ........................................................ 13 80 87 80 60 80 –

50 to 99 workers .................................................. 11 80 89 80 60 – –

100 workers or more ................................................ – – 89 80 60 90 –

100 to 499 workers .............................................. – – 89 80 60 85 –

500 workers or more ............................................ – – 89 80 60 90 –

Geographic areas

Northeast ................................................................. – – 84 80 60 100 –

New England ....................................................... – – 82 80 60 80 –

Middle Atlantic ..................................................... 15 80 85 80 60 100 –

South ....................................................................... – – 85 80 60 85 –

South Atlantic ....................................................... – – 86 80 60 90 –

East South Central ............................................... – – 80 80 60 70 –

West South Central .............................................. – – 88 80 60 85 –

Midwest .................................................................... – – 94 80 60 90 –

East North Central ............................................... 5 80 95 80 60 90 –

West North Central .............................................. – – 93 80 60 90 –

West ......................................................................... – – 89 80 60 90 –

Mountain .............................................................. – – 89 80 60 90 –

Pacific .................................................................. 11 80 89 80 60 90 –

1 Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service plans. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March

2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 23. Standard errors for fee-for-service plans: Coinsurance percentage, private industry workers, 2015

Characteristics

Fixed coinsurance Variable coinsurance

With other

With fixed coinsurance

coinsurance

Median

coinsurance

percentage

With variable

coinsurance

Median coinsurance percentage

In-network Out-ofnetwork

Most

generous

coverage1

Worker characteristics

All workers ............................................................... – – 1.0 0.0 0.0 0.9 –

Management, professional, and related .................. – – 1.5 0.0 0.0 0.0 –

Management, business, and financial ................. – – 2.7 0.0 0.0 8.9 –

Professional and related ...................................... – – 1.6 0.0 0.0 0.0 –

Service ..................................................................... – – 3.1 0.0 3.0 0.0 –

Sales and office ....................................................... – – 1.6 0.0 0.0 6.3 –

Sales and related ................................................. 2.0 0.0 2.0 0.0 9.8 19.2 –

Office and administrative support ........................ – – 1.9 0.0 0.0 6.3 –

Natural resources, construction, and maintenance 2.9 0.0 2.9 0.0 0.0 0.0 –

Installation, maintenance, and repair ................... – – 3.5 0.0 0.0 0.0 –

Production, transportation, and material moving ..... 1.7 0.0 1.7 0.0 0.0 0.0 –

Production ............................................................ 1.0 0.0 1.0 0.0 0.0 0.0 –

Transportation and material moving .................... 3.4 3.8 3.4 0.0 0.0 0.0 –

Full time ................................................................... – – 1.0 0.0 0.0 0.9 –

Part time .................................................................. – – 2.1 0.0 0.0 12.9 –

Union ....................................................................... – – 2.8 5.2 0.0 0.0 –

Nonunion ................................................................. – – 1.0 0.0 0.0 2.0 –

Average wage within the following categories2:

Second 25 percent ............................................... – – 1.5 0.0 0.0 10.1 –

Third 25 percent ................................................... – – 1.4 0.0 0.0 11.4 –

Highest 25 percent ............................................... – – 1.4 0.0 0.0 0.0 –

Highest 10 percent ........................................... – – 2.5 0.0 0.0 0.0 –

Establishment characteristics

Goods-producing industries ..................................... 1.2 0.0 1.2 0.0 0.0 0.0 –

Manufacturing ...................................................... 1.1 0.0 1.1 0.0 0.0 0.0 –

Service-providing industries ..................................... – – 1.2 0.0 0.0 0.0 –

Trade, transportation, and utilities ....................... 1.9 0.0 1.9 0.0 0.0 15.3 –

Retail trade ...................................................... 2.1 0.0 2.1 0.0 0.0 – –

Financial activities ................................................ 2.1 0.0 2.1 0.0 0.0 1.6 –

Finance and insurance .................................... 1.5 0.0 1.5 0.0 0.0 6.1 –

Credit intermediation and related activities .. – – 2.0 0.0 0.0 2.0 –

Insurance carriers and related activities ...... 2.5 0.0 2.5 3.3 0.0 15.0 –

Professional and business services ..................... 2.3 0.0 2.3 0.0 0.0 – –

Education and health services ............................. – – 2.2 0.0 0.0 0.0 –

Educational services ........................................ – – 4.9 6.9 0.0 0.0 –

Junior colleges, colleges, and universities ... 2.5 6.8 2.5 0.0 6.3 0.0 –

Health care and social assistance ................... – – 2.5 0.0 0.0 0.0 –

See footnotes at end of table.
Table 23. Standard errors for fee-for-service plans: Coinsurance percentage, private industry workers,

2015—continued

Characteristics

Fixed coinsurance Variable coinsurance

With other

With fixed coinsurance

coinsurance

Median

coinsurance

percentage

With variable

coinsurance

Median coinsurance percentage

In-network Out-ofnetwork

Most

generous

coverage1

1 to 99 workers ........................................................ 1.5 0.0 1.5 0.0 0.0 10.0 –

50 to 99 workers .................................................. 2.3 1.6 2.3 0.0 0.0 – –

100 workers or more ................................................ – – 1.1 0.0 0.0 0.0 –

100 to 499 workers .............................................. – – 1.7 0.0 0.0 6.1 –

500 workers or more ............................................ – – 1.8 0.0 0.0 0.0 –

Geographic areas

Northeast ................................................................. – – 2.6 0.0 0.0 6.6 –

New England ....................................................... – – 9.0 4.8 0.0 9.5 –

Middle Atlantic ..................................................... 2.5 0.0 2.5 0.0 0.0 0.0 –

South ....................................................................... – – 2.1 0.0 0.0 7.0 –

South Atlantic ....................................................... – – 3.5 0.0 0.0 5.8 –

East South Central ............................................... – – 2.4 0.0 0.0 0.0 –

West South Central .............................................. – – 3.5 0.0 0.0 7.1 –

Midwest .................................................................... – – 1.1 0.0 0.0 3.6 –

East North Central ............................................... 1.3 0.0 1.3 0.0 0.0 7.6 –

West North Central .............................................. – – 1.9 0.0 0.0 14.5 –

West ......................................................................... – – 1.4 0.0 0.0 0.0 –

Mountain .............................................................. – – 1.9 0.0 0.0 0.0 –

Pacific .................................................................. 1.9 0.0 1.9 0.0 0.0 9.3 –

1 Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service plans. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March

2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 24. Fee-for-service plans: Amount of annual individual out-of-pocket maximum,1

 private industry workers, 2015

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

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

determinable 10th percentile 25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 95 $1,000 $1,500 $2,200 $3,000 $4,500 5 2 ( )

Management, professional, and related .................. 95 1,000 1,500 2,000 3,000 4,350 4 2 ( )

Management, business, and financial ................. 94 1,000 1,500 2,000 3,000 4,700 5 2 ( )

Professional and related ...................................... 96 1,000 1,500 2,000 3,000 4,000 4 2 ( )

Service ..................................................................... 92 1,000 1,600 2,250 3,750 4,950 – –

Sales and office ....................................................... 96 1,100 1,750 2,400 3,050 4,350 4 1

Sales and related ................................................. 97 1,100 1,700 2,350 3,350 4,500 – –

Office and administrative support ........................ 95 1,250 1,800 2,500 3,000 4,250 4 1

Natural resources, construction, and maintenance 93 1,000 1,500 2,500 3,600 4,850 – –

Installation, maintenance, and repair ................... 92 1,000 1,700 2,250 3,500 4,250 – –

Production, transportation, and material moving ..... 95 1,000 1,350 2,000 3,000 4,250 5 –

Production ............................................................ 94 1,000 1,500 2,000 3,000 4,650 6 –

Transportation and material moving .................... 97 900 1,000 2,000 3,000 3,700 – –

Full time ................................................................... 95 1,000 1,500 2,150 3,000 4,500 5 2 ( )

Part time .................................................................. 96 1,000 1,800 2,250 3,250 4,700 – –

Union ....................................................................... 88 900 1,000 1,700 2,750 4,500 12 –

Nonunion ................................................................. 96 1,000 1,500 2,250 3,050 4,500 4 2 ( )

Average wage within the following categories3:

Second 25 percent ............................................... 96 1,000 1,500 2,300 3,350 4,750 4 1

Third 25 percent ................................................... 95 1,000 1,500 2,200 3,000 4,350 5 2 ( )

Highest 25 percent ............................................... 95 1,000 1,500 2,000 3,000 4,350 5 2 ( )

Highest 10 percent ........................................... 94 1,000 1,500 2,000 3,000 4,500 6 2 ( )

Establishment characteristics

Goods-producing industries ..................................... 96 1,000 1,500 2,000 3,050 4,850 4 –

Manufacturing ...................................................... 96 1,000 1,500 2,000 3,000 4,200 4 –

Service-providing industries ..................................... 95 1,000 1,500 2,250 3,000 4,500 5 2 ( )

Trade, transportation, and utilities ....................... 97 1,000 1,500 2,250 3,250 4,250 3 –

Retail trade ...................................................... 97 1,400 2,000 2,500 3,350 4,250 – –

Financial activities ................................................ 94 1,000 1,500 2,000 3,000 3,750 4 2

Finance and insurance .................................... 94 1,000 1,500 2,000 2,500 3,500 5 1

Credit intermediation and related activities .. 95 1,000 1,500 2,000 2,500 4,000 – –

Insurance carriers and related activities ...... 93 1,000 1,500 2,000 2,500 3,500 7 1

Professional and business services ..................... 96 1,350 1,750 2,200 3,050 4,350 – –

Education and health services ............................. 92 1,000 1,500 2,500 3,500 4,600 8 1

Educational services ........................................ 99 1,000 1,000 1,500 2,400 3,000 – –

Junior colleges, colleges, and universities ... 98 – 1,000 1,600 2,300 3,000 – –

Health care and social assistance ................... 91 1,000 1,750 2,500 3,900 4,700 9 1

See footnotes at end of table.
Table 24. Fee-for-service plans: Amount of annual individual out-of-pocket maximum,1

 private industry workers,

2015—continued

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

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

determinable 10th percentile 25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 95 $1,000 $1,500 $2,400 $3,500 $4,700 5 2 ( )

50 to 99 workers .................................................. 97 1,000 1,500 2,250 3,000 4,250 – –

100 workers or more ................................................ 95 1,000 1,500 2,000 3,000 4,200 5 2 ( )

100 to 499 workers .............................................. 95 1,000 1,500 2,250 3,000 4,250 5 2 ( )

500 workers or more ............................................ 95 1,000 1,500 2,000 2,700 4,200 5 2 ( )

Geographic areas

Northeast ................................................................. 89 1,000 1,500 2,000 3,000 4,850 11 –

New England ....................................................... 87 600 1,500 2,000 2,500 4,000 – –

Middle Atlantic ..................................................... 90 1,000 1,500 2,000 3,000 5,080 10 –

South ....................................................................... 96 1,000 1,500 2,250 3,250 4,500 4 1

South Atlantic ....................................................... 95 1,000 1,500 2,250 3,150 4,450 4 1

East South Central ............................................... 97 1,000 1,500 2,250 3,350 4,350 – –

West South Central .............................................. 95 1,000 1,500 2,200 3,300 4,600 – –

Midwest .................................................................... 95 1,000 1,500 2,200 3,000 4,000 4 1

East North Central ............................................... 94 1,000 1,500 2,250 3,000 4,000 5 2 ( )

West North Central .............................................. 98 1,000 1,500 2,000 3,000 3,750 – –

West ......................................................................... 97 1,000 1,500 2,250 3,000 4,700 – –

Mountain .............................................................. 99 1,500 1,750 2,500 4,000 4,850 – –

Pacific .................................................................. 96 1,000 1,500 2,000 2,750 4,400 – –

1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered

expenses are fully reimbursed for the rest of the year. 2 Less than 0.5. 3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 24. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum,1

 private industry

workers, 2015

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

determinable 10th percentile 25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 0.6 $0 $0 $159 $115 $79 0.6 0.1

Management, professional, and related .................. 0.8 0 0 0 9 213 0.8 0.1

Management, business, and financial ................. 1.3 0 0 18 334 285 1.3 0.2

Professional and related ...................................... 0.8 0 13 52 0 351 0.8 0.1

Service ..................................................................... 2.5 250 218 327 451 296 – –

Sales and office ....................................................... 0.9 183 66 165 237 101 0.8 0.4

Sales and related ................................................. 1.5 194 194 139 146 167 – –

Office and administrative support ........................ 1.1 106 91 227 0 136 0.8 0.5

Natural resources, construction, and maintenance 2.1 9 114 230 464 253 – –

Installation, maintenance, and repair ................... 3.1 104 278 404 234 130 – –

Production, transportation, and material moving ..... 1.1 71 183 9 122 399 1.1 –

Production ............................................................ 1.8 0 51 0 131 398 1.8 –

Transportation and material moving .................... 1.2 73 111 412 280 526 – –

Full time ................................................................... 0.6 0 0 191 65 96 0.6 0.2

Part time .................................................................. 1.7 173 376 0 87 315 – –

Union ....................................................................... 2.6 132 0 353 433 649 2.6 –

Nonunion ................................................................. 0.5 88 64 9 172 93 0.5 0.2

Average wage within the following categories2:

Second 25 percent ............................................... 0.8 0 27 251 181 154 0.7 0.3

Third 25 percent ................................................... 1.1 0 0 212 0 149 1.1 0.2

Highest 25 percent ............................................... 0.9 0 0 0 0 224 0.9 0.1

Highest 10 percent ........................................... 1.3 0 36 9 188 126 1.3 0.1

Establishment characteristics

Goods-producing industries ..................................... 0.9 0 0 0 402 350 0.9 –

Manufacturing ...................................................... 1.2 0 70 0 341 272 1.2 –

Service-providing industries ..................................... 0.8 0 0 78 114 156 0.7 0.2

Trade, transportation, and utilities ....................... 0.5 0 0 0 229 263 0.5 –

Retail trade ...................................................... 1.0 109 0 115 71 170 – –

Financial activities ................................................ 1.8 158 207 82 275 385 1.2 1.0

Finance and insurance .................................... 2.1 0 29 0 0 137 1.2 1.2

Credit intermediation and related activities .. 2.9 52 82 0 546 414 – –

Insurance carriers and related activities ...... 2.1 0 32 0 219 249 2.0 0.3

Professional and business services ..................... 1.5 146 52 358 412 205 – –

Education and health services ............................. 1.9 0 88 134 436 144 1.8 0.3

Educational services ........................................ 0.4 217 0 100 423 126 – –

Junior colleges, colleges, and universities ... 0.7 – 0 153 470 285 – –

Health care and social assistance ................... 2.2 293 363 586 504 100 2.1 0.4

See footnotes at end of table.
Table 24. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum,1

 private industry

workers, 2015—continued

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

determinable 10th percentile 25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 1.0 $0 $20 $193 $260 $71 0.9 0.2

50 to 99 workers .................................................. 1.3 0 0 225 0 384 – –

100 workers or more ................................................ 0.7 0 0 106 0 166 0.7 0.2

100 to 499 workers .............................................. 1.1 55 97 0 147 259 1.0 0.3

500 workers or more ............................................ 0.9 0 0 0 224 241 0.9 0.2

Geographic areas

Northeast ................................................................. 2.0 0 0 0 90 416 2.0 –

New England ....................................................... 3.9 93 32 0 252 252 – –

Middle Atlantic ..................................................... 2.2 0 0 102 218 291 2.2 –

South ....................................................................... 1.0 0 0 126 194 108 0.9 0.3

South Atlantic ....................................................... 1.2 0 76 139 236 205 0.9 0.6

East South Central ............................................... 1.6 0 0 56 211 197 – –

West South Central .............................................. 2.1 209 245 376 433 279 – –

Midwest .................................................................... 1.0 0 0 228 0 29 0.8 0.4

East North Central ............................................... 1.3 0 144 141 95 310 1.2 0.3

West North Central .............................................. 1.2 0 64 216 151 181 – –

West ......................................................................... 1.3 59 46 250 223 55 – –

Mountain .............................................................. 0.7 227 164 449 522 124 – –

Pacific .................................................................. 2.1 0 0 93 361 387 – –

1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered

expenses are fully reimbursed for the rest of the year. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 25. Fee-for-service plans: Amount of annual family out-of-pocket maximum,1

 private industry workers, 2015

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

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 92 $2,000 $3,000 $4,500 $6,500 $9,000 7 2 ( )

Management, professional, and related .................. 93 2,000 3,000 4,500 6,000 8,600 6 2 ( )

Management, business, and financial ................. 93 2,300 3,000 4,000 6,450 9,000 6 2 ( )

Professional and related ...................................... 94 2,000 3,000 4,500 6,000 8,500 6 2 ( )

Service ..................................................................... 88 2,700 3,600 5,000 7,500 10,000 – –

Sales and office ....................................................... 95 3,000 3,750 5,000 6,500 8,700 5 1

Sales and related ................................................. 95 3,000 3,750 4,800 6,700 8,700 – –

Office and administrative support ........................ 94 2,700 3,800 5,000 6,000 8,500 5 1

Natural resources, construction, and maintenance 91 3,000 3,750 5,500 7,700 10,000 – –

Installation, maintenance, and repair ................... 92 2,500 3,500 4,500 7,200 8,500 – –

Production, transportation, and material moving ..... 91 2,000 2,850 4,000 6,000 8,700 9 –

Production ............................................................ 91 2,000 3,000 4,000 5,650 9,000 9 –

Transportation and material moving .................... 90 1,800 – 4,500 6,000 7,850 10 –

Full time ................................................................... 92 2,300 3,000 4,500 6,500 9,000 8 2 ( )

Part time .................................................................. 96 2,000 3,500 4,500 6,700 9,250 – –

Union ....................................................................... 84 2,000 2,000 4,000 5,650 8,950 16 –

Nonunion ................................................................. 94 2,600 3,300 4,500 6,700 9,000 6 2 ( )

Average wage within the following categories3:

Second 25 percent ............................................... 92 2,400 3,000 5,000 6,900 9,900 7 1

Third 25 percent ................................................... 93 2,000 3,000 4,500 6,100 8,900 6 2 ( )

Highest 25 percent ............................................... 92 2,000 3,000 4,000 6,000 8,500 8 2 ( )

Highest 10 percent ........................................... 91 2,200 3,000 4,000 6,250 8,700 9 2 ( )

Establishment characteristics

Goods-producing industries ..................................... 91 2,000 3,000 4,450 6,750 9,500 9 –

Manufacturing ...................................................... 90 2,000 3,000 4,000 5,500 8,200 10 –

Service-providing industries ..................................... 93 2,300 3,250 4,500 6,500 8,700 7 2 ( )

Trade, transportation, and utilities ....................... 95 2,000 3,000 4,500 6,500 8,000 5 –

Retail trade ...................................................... 94 3,000 4,000 5,000 6,700 8,500 6 –

Financial activities ................................................ 93 2,400 3,300 4,000 6,000 7,500 6 2

Finance and insurance .................................... 93 2,000 3,000 4,000 5,200 7,000 5 1

Credit intermediation and related activities .. 94 2,250 3,000 4,000 5,700 7,500 – –

Insurance carriers and related activities ...... 92 2,000 3,000 4,000 5,200 7,000 7 1

Professional and business services ..................... 96 2,800 3,600 4,500 6,100 8,700 – –

Education and health services ............................. 90 2,000 3,200 5,000 7,500 9,200 9 1

Educational services ........................................ 97 2,000 2,500 3,300 5,000 6,000 – –

Junior colleges, colleges, and universities ... 96 – 2,500 3,500 5,000 6,000 – –

Health care and social assistance ................... 89 2,400 4,000 5,200 8,400 9,400 10 1

See footnotes at end of table.
Table 25. Fee-for-service plans: Amount of annual family out-of-pocket maximum,1

 private industry workers,

2015—continued

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

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 93 $2,400 $3,200 $5,000 $7,500 $9,400 7 2 ( )

50 to 99 workers .................................................. 93 2,400 3,000 4,950 6,000 8,200 – –

100 workers or more ................................................ 92 2,000 3,000 4,500 6,000 8,200 8 2 ( )

100 to 499 workers .............................................. 92 2,400 3,000 4,500 6,000 8,200 7 2 ( )

500 workers or more ............................................ 92 2,000 3,000 – 6,000 8,350 8 2 ( )

Geographic areas

Northeast ................................................................. 88 2,000 3,000 4,500 6,000 9,750 12 –

New England ....................................................... 86 1,200 3,000 4,000 5,600 7,500 14 –

Middle Atlantic ..................................................... 88 2,400 3,000 4,500 6,000 10,000 12 –

South ....................................................................... 93 2,000 3,400 4,500 6,700 9,000 7 1

South Atlantic ....................................................... 93 2,000 3,300 4,500 6,500 8,900 6 1

East South Central ............................................... 93 3,000 3,000 4,500 7,000 8,700 – –

West South Central .............................................. 93 2,500 3,750 5,000 6,700 9,200 – –

Midwest .................................................................... 94 2,000 3,000 4,500 6,000 8,200 5 1

East North Central ............................................... 93 2,000 3,000 4,500 6,300 8,400 7 2 ( )

West North Central .............................................. 96 2,000 3,000 4,000 6,000 7,500 – –

West ......................................................................... 93 2,500 3,250 5,000 7,000 9,400 – –

Mountain .............................................................. 95 3,000 4,000 6,000 7,850 9,900 – –

Pacific .................................................................. 92 2,400 3,000 4,500 6,700 8,700 – –

1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered

expenses are fully reimbursed for the rest of the year. 2 Less than 0.5. 3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 25. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum,1

 private industry

workers, 2015

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 0.7 $367 $112 $41 $196 $182 0.7 0.1

Management, professional, and related .................. 1.1 464 18 469 336 315 1.1 0.1

Management, business, and financial ................. 1.1 402 0 407 684 524 1.0 0.2

Professional and related ...................................... 1.7 407 90 290 158 598 1.6 0.1

Service ..................................................................... 3.2 222 568 253 320 1,965 – –

Sales and office ....................................................... 0.8 255 128 91 191 314 0.7 0.4

Sales and related ................................................. 1.5 52 417 326 265 372 – –

Office and administrative support ........................ 0.9 184 147 0 294 402 0.7 0.5

Natural resources, construction, and maintenance 2.3 427 383 251 440 808 – –

Installation, maintenance, and repair ................... 3.1 669 182 566 280 528 – –

Production, transportation, and material moving ..... 1.9 155 274 290 283 622 1.9 –

Production ............................................................ 2.4 209 87 36 503 717 2.4 –

Transportation and material moving .................... 2.7 167 – 273 316 1,010 2.7 –

Full time ................................................................... 0.8 359 82 68 258 260 0.7 0.2

Part time .................................................................. 1.1 0 715 0 482 347 – –

Union ....................................................................... 3.1 226 195 91 179 1,363 3.1 –

Nonunion ................................................................. 0.8 178 141 330 238 175 0.8 0.2

Average wage within the following categories2:

Second 25 percent ............................................... 1.2 359 354 240 303 485 1.1 0.3

Third 25 percent ................................................... 1.2 130 205 82 428 316 1.2 0.2

Highest 25 percent ............................................... 1.2 3 0 294 284 334 1.2 0.1

Highest 10 percent ........................................... 1.7 403 0 184 612 539 1.7 0.1

Establishment characteristics

Goods-producing industries ..................................... 1.7 168 0 453 469 893 1.7 –

Manufacturing ...................................................... 2.5 0 0 0 450 526 2.5 –

Service-providing industries ..................................... 0.8 419 209 102 249 416 0.7 0.2

Trade, transportation, and utilities ....................... 1.1 135 222 0 271 460 1.1 –

Retail trade ...................................................... 1.8 210 0 244 141 356 1.8 –

Financial activities ................................................ 2.0 358 176 52 0 658 1.4 1.0

Finance and insurance .................................... 2.2 339 66 0 398 235 1.3 1.2

Credit intermediation and related activities .. 3.1 347 122 137 813 858 – –

Insurance carriers and related activities ...... 2.1 304 181 52 525 379 2.0 0.3

Professional and business services ..................... 1.5 236 182 420 1,161 378 – –

Education and health services ............................. 2.3 513 372 32 914 195 2.2 0.3

Educational services ........................................ 1.0 0 389 242 154 82 – –

Junior colleges, colleges, and universities ... 1.5 – 518 400 241 983 – –

Health care and social assistance ................... 2.7 572 503 1,029 962 336 2.5 0.4

See footnotes at end of table.
Table 25. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum,1

 private industry

workers, 2015—continued

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 1.1 $241 $234 $63 $230 $253 1.1 0.2

50 to 99 workers .................................................. 2.0 367 109 418 188 909 – –

100 workers or more ................................................ 1.1 167 58 0 32 309 1.0 0.2

100 to 499 workers .............................................. 1.3 536 268 192 284 420 1.3 0.3

500 workers or more ............................................ 1.8 0 26 – 491 376 1.8 0.2

Geographic areas

Northeast ................................................................. 2.2 364 0 602 148 969 2.2 –

New England ....................................................... 3.8 302 0 58 765 1,190 3.8 –

Middle Atlantic ..................................................... 2.6 401 0 469 549 536 2.6 –

South ....................................................................... 0.9 541 203 327 322 398 0.8 0.3

South Atlantic ....................................................... 1.0 0 306 199 331 475 0.7 0.6

East South Central ............................................... 2.9 660 418 0 569 193 – –

West South Central .............................................. 1.7 366 355 507 971 597 – –

Midwest .................................................................... 1.1 0 0 13 326 335 0.9 0.4

East North Central ............................................... 1.5 0 0 0 434 735 1.3 0.3

West North Central .............................................. 1.2 244 0 672 463 697 – –

West ......................................................................... 2.1 391 289 172 511 317 – –

Mountain .............................................................. 2.0 0 455 936 835 271 – –

Pacific .................................................................. 3.0 468 68 322 349 675 – –

1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered

expenses are fully reimbursed for the rest of the year. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 26. Fee-for-service plans: Coverage for mental health

care,1

 private industry workers, 2015

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

Characteristics

Inpatient

mental health

care

Outpatient

mental health

care

Worker characteristics

All workers ............................................................... 80 80

Service ..................................................................... 84 82

Sales and office ....................................................... 81 81

Sales and related ................................................. 84 84

Natural resources, construction, and maintenance – 83

Installation, maintenance, and repair ................... – 83

Production, transportation, and material moving ..... 82 82

Production ............................................................ 80 80

Transportation and material moving .................... 85 85

Part time .................................................................. 88 89

Union ....................................................................... 84 84

Average wage within the following categories2:

Second 25 percent ............................................... 81 81

Third 25 percent ................................................... – 81

Highest 25 percent:

Highest 10 percent ......................................... 81 –

Establishment characteristics

Service-providing industries ..................................... 82 81

Trade, transportation, and utilities ....................... 84 85

Retail trade ...................................................... 82 82

Financial activities:

Finance and insurance:

Insurance carriers and related activities .... 82 –

Professional and business services ..................... 89 89

Education and health services:

Educational services ...................................... 88 82

Junior colleges, colleges, and universities ... 91 89

1 to 99 workers ........................................................ 82 81

Geographic areas

Northeast ................................................................. 82 81

Middle Atlantic ..................................................... 83 82

South ....................................................................... 81 80

East South Central ............................................... 84 84

West South Central .............................................. 83 82

Midwest:

West North Central .............................................. 81 81

West ......................................................................... 82 82

Mountain .............................................................. 85 83

Pacific .................................................................. 81 81

1 The remaining workers include both workers not receiving the benefit and workers for

whom the availability of the benefit could not be determined. 2 Surveyed occupations are classified into wage categories based on the average wage for

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

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

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 26. Standard errors for fee-for-service plans:

Coverage for mental health care,1

 private industry workers,

2015

Characteristics

Inpatient

mental health

care

Outpatient

mental health

care

Worker characteristics

All workers ............................................................... 1.2 1.3

Service ..................................................................... 2.8 2.9

Sales and office ....................................................... 1.6 1.6

Sales and related ................................................. 2.1 2.1

Natural resources, construction, and maintenance – 2.1

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

Production, transportation, and material moving ..... 2.7 2.7

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

Transportation and material moving .................... 3.5 3.5

Part time .................................................................. 1.9 1.9

Union ....................................................................... 4.3 4.4

Average wage within the following categories2:

Second 25 percent ............................................... 1.9 1.8

Third 25 percent ................................................... – 1.5

Highest 25 percent:

Highest 10 percent ......................................... 2.7 –

Establishment characteristics

Service-providing industries ..................................... 1.3 1.4

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

Retail trade ...................................................... 2.0 2.0

Financial activities:

Finance and insurance:

Insurance carriers and related activities .... 3.7 –

Professional and business services ..................... 3.2 3.2

Education and health services:

Educational services ...................................... 5.0 3.5

Junior colleges, colleges, and universities ... 3.0 3.0

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

Geographic areas

Northeast ................................................................. 2.5 2.5

Middle Atlantic ..................................................... 2.9 2.7

South ....................................................................... 1.9 2.0

East South Central ............................................... 5.4 5.4

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

Midwest:

West North Central .............................................. 3.4 3.3

West ......................................................................... 2.3 2.4

Mountain .............................................................. 3.4 3.5

Pacific .................................................................. 3.0 3.1

1 The remaining workers include both workers not receiving the benefit and workers for

whom the availability of the benefit could not be determined. 2 Surveyed occupations are classified into wage categories based on the average wage for

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

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

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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

Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 27. Health maintenance organizations: Summary of selected features, private industry workers, 2015

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Worker characteristics

All workers ............................................................... 57 43 – 33 67 – 92 8 –

Management, professional, and related .................. 55 45 – 38 62 – 91 9 –

Management, business, and financial ................. 57 43 – 40 60 – 91 9 –

Professional and related ...................................... 53 47 – 37 63 – 92 – –

Service ..................................................................... 54 46 – – 72 – 88 – –

Sales and office ....................................................... 55 45 – 27 73 – 88 – –

Sales and related ................................................. 39 61 – – – – 87 – –

Office and administrative support ........................ 61 39 – 28 72 – 88 – –

Natural resources, construction, and maintenance 60 40 – 24 76 – 98 – –

Installation, maintenance, and repair ................... 51 49 – 16 84 – 97 – –

Production, transportation, and material moving ..... 70 30 – 37 63 – 98 – –

Production ............................................................ 78 22 – 44 56 – 98 – –

Transportation and material moving .................... 59 41 – – 73 – 97 – –

Full time ................................................................... 58 42 – 33 67 – 92 8 –

Part time .................................................................. 38 62 – 34 66 – 91 – –

Union ....................................................................... 68 32 – 23 77 – 87 – –

Nonunion ................................................................. 56 44 – 34 66 – 92 8 –

Average wage within the following categories1:

Second 25 percent ............................................... 59 41 – 33 67 – 94 – –

Third 25 percent ................................................... 63 37 – 31 69 – 91 9 –

Highest 25 percent ............................................... 54 46 – 36 64 – 90 10 –

Highest 10 percent ........................................... 40 60 – 27 73 – 91 9 –

Establishment characteristics

Goods-producing industries ..................................... 69 31 – 41 59 – – – –

Manufacturing ...................................................... 72 28 – 46 54 – 98 – –

Service-providing industries ..................................... 54 46 – 31 69 – 91 9 –

Trade, transportation, and utilities ....................... 44 56 – 23 77 – 89 – –

Retail trade ...................................................... – – – – – – 86 – –

Financial activities ................................................ 69 31 – 40 60 – 91 – –

Finance and insurance .................................... 72 28 – 42 58 – 91 – –

Credit intermediation and related activities .. 78 – – 48 52 – 94 – –

Insurance carriers and related activities ...... 67 33 – 37 63 – 88 – –

Professional and business services ..................... 63 37 – – 60 – 99 – –

Education and health services ............................. 49 51 – 28 72 – 82 18 –

Educational services ........................................ 46 54 – 30 70 – 88 12 –

Junior colleges, colleges, and universities ... 51 49 – 24 76 – 80 20 –

Health care and social assistance ................... 50 50 – 27 73 – 81 19 –

See footnotes at end of table.
Table 27. Health maintenance organizations: Summary of selected features, private industry workers, 2015—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 ........................................................ 58 42 – 36 64 – 93 – –

50 to 99 workers .................................................. 54 46 – 40 60 – 98 – –

100 workers or more ................................................ 56 44 – 30 70 – 90 10 –

100 to 499 workers .............................................. 61 39 – 35 65 – 92 8 –

500 workers or more ............................................ 48 52 – 19 81 – 85 – –

Geographic areas

Northeast ................................................................. 70 30 – 18 82 – 85 15 –

New England ....................................................... 76 – – 16 84 – 97 – –

Middle Atlantic ..................................................... 67 33 – 19 81 – 79 21 –

South ....................................................................... 66 34 – 30 70 – 91 – –

South Atlantic ....................................................... 63 37 – – 71 – 87 – –

East South Central ............................................... 82 – – – – – – – –

West South Central .............................................. 70 – – – 72 – 97 – –

Midwest .................................................................... 72 28 – 40 60 – 93 – –

East North Central ............................................... 80 – – 44 56 – 96 – –

West North Central .............................................. – 74 – – 82 – 69 – –

West ......................................................................... 39 61 – 40 60 – 95 5 –

Mountain .............................................................. – – – 64 36 – 98 – –

Pacific .................................................................. 39 61 – 34 66 – 95 – –

1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 27. Standard errors for health maintenance organizations: Summary of selected features, private industry workers, 2015

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Worker characteristics

All workers ............................................................... 2.6 2.6 – 2.9 2.9 – 1.5 1.5 –

Management, professional, and related .................. 4.4 4.4 – 5.2 5.2 – 2.1 2.1 –

Management, business, and financial ................. 7.4 7.4 – 7.9 7.9 – 2.6 2.6 –

Professional and related ...................................... 5.7 5.7 – 6.1 6.1 – 3.1 – –

Service ..................................................................... 10.1 10.1 – – 8.9 – 4.7 – –

Sales and office ....................................................... 4.1 4.1 – 3.9 3.9 – 3.9 – –

Sales and related ................................................. 9.4 9.4 – – – – 9.5 – –

Office and administrative support ........................ 5.5 5.5 – 4.1 4.1 – 3.8 – –

Natural resources, construction, and maintenance 7.9 7.9 – 5.7 5.7 – 1.0 – –

Installation, maintenance, and repair ................... 11.7 11.7 – 4.7 4.7 – 1.7 – –

Production, transportation, and material moving ..... 5.2 5.2 – 6.8 6.8 – 1.4 – –

Production ............................................................ 5.9 5.9 – 8.7 8.7 – 2.0 – –

Transportation and material moving .................... 10.0 10.0 – – 10.8 – 1.6 – –

Full time ................................................................... 2.6 2.6 – 3.1 3.1 – 1.5 1.5 –

Part time .................................................................. 8.5 8.5 – 7.9 7.9 – 5.2 – –

Union ....................................................................... 6.6 6.6 – 6.1 6.1 – 4.2 – –

Nonunion ................................................................. 2.9 2.9 – 3.2 3.2 – 1.4 1.4 –

Average wage within the following categories1:

Second 25 percent ............................................... 4.7 4.7 – 4.1 4.1 – 2.5 – –

Third 25 percent ................................................... 4.8 4.8 – 4.1 4.1 – 2.0 2.0 –

Highest 25 percent ............................................... 4.2 4.2 – 5.2 5.2 – 2.1 2.1 –

Highest 10 percent ........................................... 4.8 4.8 – 5.3 5.3 – 2.7 2.7 –

Establishment characteristics

Goods-producing industries ..................................... 5.1 5.1 – 5.7 5.7 – – – –

Manufacturing ...................................................... 6.5 6.5 – 7.3 7.3 – 1.4 – –

Service-providing industries ..................................... 3.0 3.0 – 3.3 3.3 – 1.8 1.8 –

Trade, transportation, and utilities ....................... 5.2 5.2 – 5.7 5.7 – 5.3 – –

Retail trade ...................................................... – – – – – – 9.8 – –

Financial activities ................................................ 6.1 6.1 – 6.3 6.3 – 3.1 – –

Finance and insurance .................................... 4.4 4.4 – 4.6 4.6 – 2.9 – –

Credit intermediation and related activities .. 6.6 – – 7.9 7.9 – 3.0 – –

Insurance carriers and related activities ...... 8.2 8.2 – 8.6 8.6 – 4.2 – –

Professional and business services ..................... 8.5 8.5 – – 11.5 – 0.9 – –

Education and health services ............................. 3.9 3.9 – 5.2 5.2 – 4.1 4.1 –

Educational services ........................................ 6.4 6.4 – 6.2 6.2 – 3.2 3.2 –

Junior colleges, colleges, and universities ... 4.9 4.9 – 4.8 4.8 – 4.4 4.4 –

Health care and social assistance ................... 4.8 4.8 – 6.7 6.7 – 5.4 5.4 –

See footnotes at end of table.
Table 27. Standard errors for health maintenance organizations: Summary of selected features, private industry workers,

2015—continued

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

1 to 99 workers ........................................................ 3.5 3.5 – 4.8 4.8 – 2.1 – –

50 to 99 workers .................................................. 9.5 9.5 – 10.6 10.6 – 0.9 – –

100 workers or more ................................................ 4.0 4.0 – 3.5 3.5 – 2.5 2.5 –

100 to 499 workers .............................................. 5.3 5.3 – 4.6 4.6 – 2.2 2.2 –

500 workers or more ............................................ 5.7 5.7 – 4.0 4.0 – 5.1 – –

Geographic areas

Northeast ................................................................. 4.3 4.3 – 3.3 3.3 – 4.0 4.0 –

New England ....................................................... 9.1 – – 4.7 4.7 – 1.1 – –

Middle Atlantic ..................................................... 4.2 4.2 – 4.3 4.3 – 5.8 5.8 –

South ....................................................................... 4.7 4.7 – 6.8 6.8 – 3.4 – –

South Atlantic ....................................................... 5.2 5.2 – – 9.5 – 4.8 – –

East South Central ............................................... 10.9 – – – – – – – –

West South Central .............................................. 10.8 – – – 8.9 – 2.3 – –

Midwest .................................................................... 7.6 7.6 – 9.4 9.4 – 3.7 – –

East North Central ............................................... 6.9 – – 10.2 10.2 – 1.4 – –

West North Central .............................................. – 15.0 – – 14.3 – 19.1 – –

West ......................................................................... 4.5 4.5 – 4.2 4.2 – 1.4 1.4 –

Mountain .............................................................. – – – 10.6 10.6 – 1.8 – –

Pacific .................................................................. 5.5 5.5 – 4.3 4.3 – 1.7 – –

1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 28. Health maintenance organizations: Coverage for selected services,1

private industry workers, 2015

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Worker characteristics

All workers ............................................................... 96 92 95 100

Management, professional, and related .................. 95 91 93 100

Management, business, and financial ................. 91 91 91 100

Professional and related ...................................... 98 91 94 100

Service ..................................................................... 96 92 96 100

Sales and office ....................................................... 93 89 93 100

Sales and related ................................................. 87 83 92 100

Office and administrative support ........................ 95 91 93 100

Natural resources, construction, and maintenance 100 97 99 100

Installation, maintenance, and repair ................... 99 95 98 100

Production, transportation, and material moving ..... 100 96 98 100

Production ............................................................ 100 100 100 100

Transportation and material moving .................... 100 91 96 100

Full time ................................................................... 96 91 94 100

Part time .................................................................. 100 96 99 100

Union ....................................................................... 95 90 95 100

Nonunion ................................................................. 96 92 94 100

Average wage within the following categories2:

Second 25 percent ............................................... 98 96 98 100

Third 25 percent ................................................... 98 90 95 100

Highest 25 percent ............................................... 94 89 91 100

Highest 10 percent ........................................... 99 91 93 100

Establishment characteristics

Goods-producing industries ..................................... 93 90 92 100

Manufacturing ...................................................... 90 89 90 100

Service-providing industries ..................................... 97 92 95 100

Trade, transportation, and utilities ....................... 94 91 100 100

Retail trade ...................................................... 88 91 100 100

Financial activities ................................................ 96 97 97 100

Finance and insurance .................................... 98 96 96 100

Credit intermediation and related activities .. 100 100 100 100

Insurance carriers and related activities ...... 99 99 99 100

Professional and business services ..................... 100 89 89 100

Education and health services ............................. 94 92 94 100

Educational services ........................................ 99 100 100 100

Junior colleges, colleges, and universities ... 98 100 100 100

Health care and social assistance ................... 92 89 92 100

See footnotes at end of table.
Table 28. Health maintenance organizations: Coverage for selected services,1

private industry workers, 2015—continued

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

1 to 99 workers ........................................................ 95 89 93 100

50 to 99 workers .................................................. 90 – 81 100

100 workers or more ................................................ 96 95 96 100

100 to 499 workers .............................................. 96 95 95 100

500 workers or more ............................................ 98 95 99 100

Geographic areas

Northeast ................................................................. 99 95 99 100

New England ....................................................... 100 98 100 100

Middle Atlantic ..................................................... 98 93 99 100

South ....................................................................... 92 92 92 100

South Atlantic ....................................................... 90 90 90 100

East South Central ............................................... 99 95 100 100

West South Central .............................................. 96 96 96 100

Midwest .................................................................... 97 89 95 100

East North Central ............................................... 96 91 96 100

West North Central .............................................. – – 88 100

West ......................................................................... 96 91 93 100

Mountain .............................................................. 100 98 100 100

Pacific .................................................................. 95 89 92 100

1 The remaining workers include both workers not receiving the benefit and workers for whom the availability of the benefit

could not be determined. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include

workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using

data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 28. Standard errors for health maintenance organizations: Coverage for

selected services,1

 private industry workers, 2015

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Worker characteristics

All workers ............................................................... 1.5 2.2 2.0 2 ( )

Management, professional, and related .................. 3.1 3.8 3.7 2 ( )

Management, business, and financial ................. 6.2 6.2 6.2 2 ( )

Professional and related ...................................... 1.1 4.2 3.9 2 ( )

Service ..................................................................... 2.5 4.4 2.5 2 ( )

Sales and office ....................................................... 3.3 3.6 3.2 2 ( )

Sales and related ................................................. 9.6 8.5 7.9 2 ( )

Office and administrative support ........................ 2.9 3.7 3.4 2 ( )

Natural resources, construction, and maintenance 0.3 1.9 1.0 2 ( )

Installation, maintenance, and repair ................... 0.5 3.6 1.9 2 ( )

Production, transportation, and material moving ..... 2 ( ) 2.3 1.8 2 ( )

Production ............................................................ 2 ( ) 2 ( ) 2 ( ) 2 ( )

Transportation and material moving .................... 2 ( ) 5.8 4.3 2 ( )

Full time ................................................................... 1.6 2.2 2.1 2 ( )

Part time .................................................................. 0.1 3.7 1.0 2 ( )

Union ....................................................................... 3.3 5.6 3.3 2 ( )

Nonunion ................................................................. 1.7 2.3 2.2 2 ( )

Average wage within the following categories3:

Second 25 percent ............................................... 1.1 1.4 0.9 2 ( )

Third 25 percent ................................................... 1.4 3.1 2.3 2 ( )

Highest 25 percent ............................................... 3.6 4.7 4.7 2 ( )

Highest 10 percent ........................................... 0.8 5.7 5.8 2 ( )

Establishment characteristics

Goods-producing industries ..................................... 6.0 6.0 6.0 2 ( )

Manufacturing ...................................................... 7.8 7.9 7.8 2 ( )

Service-providing industries ..................................... 1.1 2.2 1.9 2 ( )

Trade, transportation, and utilities ....................... 4.0 4.2 0.1 2 ( )

Retail trade ...................................................... 8.9 4.4 0.2 2 ( )

Financial activities ................................................ 2.2 2.2 2.2 2 ( )

Finance and insurance .................................... 1.2 2.7 2.7 2 ( )

Credit intermediation and related activities .. 2 ( ) 2 ( ) 2 ( ) 2 ( )

Insurance carriers and related activities ...... 0.6 0.6 0.6 2 ( )

Professional and business services ..................... 2 ( ) 7.5 7.5 2 ( )

Education and health services ............................. 2.8 3.2 2.8 2 ( )

Educational services ........................................ 0.3 2 ( ) 2 ( ) 2 ( )

Junior colleges, colleges, and universities ... 0.6 2 ( ) 2 ( ) 2 ( )

Health care and social assistance ................... 3.7 4.3 3.7 2 ( )

See footnotes at end of table.
Table 28. Standard errors for health maintenance organizations: Coverage for

selected services,1

 private industry workers, 2015—continued

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

1 to 99 workers ........................................................ 2.8 3.8 3.6 2 ( )

50 to 99 workers .................................................. 8.9 – 10.3 2 ( )

100 workers or more ................................................ 1.5 1.8 1.5 2 ( )

100 to 499 workers .............................................. 1.9 2.0 2.0 2 ( )

500 workers or more ............................................ 1.0 2.7 1.0 2 ( )

Geographic areas

Northeast ................................................................. 0.8 2.7 0.5 2 ( )

New England ....................................................... 2 ( ) 1.6 2 ( ) 2 ( )

Middle Atlantic ..................................................... 1.2 4.1 0.7 2 ( )

South ....................................................................... 3.2 3.6 3.5 2 ( )

South Atlantic ....................................................... 4.5 5.2 5.2 2 ( )

East South Central ............................................... 1.4 4.7 2 ( ) 2 ( )

West South Central .............................................. 3.5 3.6 3.5 2 ( )

Midwest .................................................................... 2.5 5.4 3.2 2 ( )

East North Central ............................................... 3.0 5.6 3.0 2 ( )

West North Central .............................................. – – 11.2 2 ( )

West ......................................................................... 3.1 4.3 4.3 2 ( )

Mountain .............................................................. 2 ( ) 0.4 0.2 2 ( )

Pacific .................................................................. 3.8 5.3 5.2 2 ( )

1 The remaining workers include both workers not receiving the benefit and workers for whom the availability of the benefit

could not be determined. 2 Less than 0.05. 3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include

workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using

data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 29. Health maintenance organizations: Amount of annual individual out-of-pocket maximum,1

 private industry

workers, 2015

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 92 $1,500 $1,500 $2,500 $3,500 $5,350 8 –

Management, professional, and related .................. 91 1,500 1,500 2,500 3,500 4,850 9 –

Management, business, and financial ................. 91 1,400 1,500 2,500 3,500 4,850 9 –

Professional and related ...................................... 92 1,500 1,500 2,300 3,500 4,850 – –

Service ..................................................................... 88 1,500 1,500 2,250 – 4,850 – –

Sales and office ....................................................... 88 1,500 1,500 2,500 3,350 5,350 – –

Sales and related ................................................. 87 1,500 1,500 2,500 2,500 3,350 – –

Office and administrative support ........................ 88 1,500 1,500 2,500 4,000 5,350 – –

Natural resources, construction, and maintenance 98 1,500 1,500 2,000 3,000 4,500 – –

Installation, maintenance, and repair ................... 97 1,500 1,500 2,000 – 5,350 – –

Production, transportation, and material moving ..... 98 1,000 1,500 2,500 3,500 5,850 – –

Production ............................................................ 98 1,000 1,900 2,500 – 5,850 – –

Transportation and material moving .................... 97 – 1,500 3,000 3,500 – – –

Full time ................................................................... 92 1,500 1,500 2,500 3,500 4,850 8 –

Part time .................................................................. 91 1,500 1,500 – – 5,350 – –

Union ....................................................................... 87 1,500 – 2,500 3,000 6,250 – –

Nonunion ................................................................. 92 1,500 1,500 2,500 3,500 4,850 8 –

Average wage within the following categories2:

Second 25 percent ............................................... 94 1,500 1,500 2,500 4,250 5,350 – –

Third 25 percent ................................................... 91 – 1,500 2,500 3,350 5,350 9 –

Highest 25 percent ............................................... 90 1,500 1,500 2,500 3,500 4,850 10 –

Highest 10 percent ........................................... 91 1,500 1,500 2,200 3,000 4,250 9 –

Establishment characteristics

Goods-producing industries:

Manufacturing .................................................... 98 – – 2,600 3,500 5,850 – –

Service-providing industries ..................................... 91 1,500 1,500 2,350 3,500 5,350 9 –

Trade, transportation, and utilities ....................... 89 1,500 1,500 2,500 3,500 – – –

Retail trade ...................................................... 86 1,500 – 2,500 3,000 – – –

Financial activities ................................................ 91 1,000 1,500 2,000 3,000 4,000 – –

Finance and insurance .................................... 91 1,000 1,500 2,200 3,500 – – –

Credit intermediation and related activities .. 94 1,000 – 2,500 4,000 5,350 – –

Insurance carriers and related activities ...... 88 – – 1,500 – 3,000 – –

Professional and business services ..................... 99 1,500 2,000 2,500 – 4,850 – –

Education and health services ............................. 82 1,500 1,500 2,000 4,250 5,350 18 –

Educational services ........................................ 88 1,000 1,500 2,000 3,000 3,500 12 –

Junior colleges, colleges, and universities ... 80 1,000 – 1,500 2,000 3,000 20 –

Health care and social assistance ................... 81 1,500 1,500 2,350 5,350 6,250 19 –

See footnotes at end of table.
Table 29. Health maintenance organizations: Amount of annual individual out-of-pocket maximum,1

 private industry

workers, 2015—continued

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 93 $1,500 $1,500 $2,500 $4,250 $5,350 – –

50 to 99 workers .................................................. 98 – 1,500 2,300 2,600 3,500 – –

100 workers or more ................................................ 90 1,500 1,700 2,500 3,000 4,850 10 –

100 to 499 workers .............................................. 92 1,500 2,000 2,500 3,350 4,250 8 –

500 workers or more ............................................ 85 – 1,500 2,000 3,000 6,250 – –

Geographic areas

Northeast ................................................................. 85 1,000 – 2,500 4,000 6,250 15 –

New England ....................................................... 97 1,000 – 2,000 – – – –

Middle Atlantic ..................................................... 79 – 2,000 3,000 4,000 6,250 21 –

South ....................................................................... 91 1,500 2,000 2,500 4,250 6,250 – –

South Atlantic ....................................................... 87 1,500 2,000 2,500 4,000 5,350 – –

West South Central .............................................. 97 1,500 – 3,500 – 6,350 – –

Midwest .................................................................... 93 1,500 1,700 2,350 4,850 5,350 – –

East North Central ............................................... 96 1,500 1,900 2,350 – 4,850 – –

West North Central .............................................. 69 1,500 1,500 – 4,850 6,350 – –

West ......................................................................... 95 1,500 1,500 2,250 2,700 4,000 5 –

Mountain .............................................................. 98 1,500 – 2,500 3,350 – – –

Pacific .................................................................. 95 1,500 1,500 2,000 2,600 4,000 – –

1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered

expenses are fully reimbursed for the rest of the year. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 29. Standard errors for health maintenance organizations: Amount of annual individual out-of-pocket maximum,1

private industry workers, 2015

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 1.5 $0 $0 $196 $188 $695 1.5 –

Management, professional, and related .................. 2.1 18 179 130 354 639 2.1 –

Management, business, and financial ................. 2.6 197 298 84 442 1,385 2.6 –

Professional and related ...................................... 3.1 0 279 264 775 664 – –

Service ..................................................................... 4.7 0 426 279 – 651 – –

Sales and office ....................................................... 3.9 0 172 0 595 409 – –

Sales and related ................................................. 9.5 0 365 0 223 477 – –

Office and administrative support ........................ 3.8 36 248 172 502 431 – –

Natural resources, construction, and maintenance 1.0 0 0 26 744 292 – –

Installation, maintenance, and repair ................... 1.7 151 0 430 – 1,261 – –

Production, transportation, and material moving ..... 1.4 205 295 534 526 1,205 – –

Production ............................................................ 2.0 203 560 682 – 953 – –

Transportation and material moving .................... 1.6 – 0 791 707 – – –

Full time ................................................................... 1.5 0 123 165 188 508 1.5 –

Part time .................................................................. 5.2 164 0 – – 284 – –

Union ....................................................................... 4.2 0 – 551 64 1,463 – –

Nonunion ................................................................. 1.4 0 0 215 474 619 1.4 –

Average wage within the following categories2:

Second 25 percent ............................................... 2.5 0 440 69 453 0 – –

Third 25 percent ................................................... 2.0 – 323 204 322 1,101 2.0 –

Highest 25 percent ............................................... 2.1 157 66 228 608 387 2.1 –

Highest 10 percent ........................................... 2.7 0 0 465 266 449 2.7 –

Establishment characteristics

Goods-producing industries:

Manufacturing .................................................... 1.4 – – 121 216 1,179 – –

Service-providing industries ..................................... 1.8 0 27 203 473 695 1.8 –

Trade, transportation, and utilities ....................... 5.3 0 0 0 516 – – –

Retail trade ...................................................... 9.8 0 – 202 122 – – –

Financial activities ................................................ 3.1 0 80 164 643 1,016 – –

Finance and insurance .................................... 2.9 0 0 270 796 – – –

Credit intermediation and related activities .. 3.0 0 – 716 243 886 – –

Insurance carriers and related activities ...... 4.2 – – 354 – 55 – –

Professional and business services ..................... 0.9 216 237 137 – 0 – –

Education and health services ............................. 4.1 0 0 436 720 788 4.1 –

Educational services ........................................ 3.2 137 112 0 826 246 3.2 –

Junior colleges, colleges, and universities ... 4.4 292 – 102 79 555 4.4 –

Health care and social assistance ................... 5.4 0 0 408 1,344 658 5.4 –

See footnotes at end of table.
Table 29. Standard errors for health maintenance organizations: Amount of annual individual out-of-pocket maximum,1

private industry workers, 2015—continued

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 2.1 $166 $0 $239 $644 $456 – –

50 to 99 workers .................................................. 0.9 – 97 266 125 303 – –

100 workers or more ................................................ 2.5 0 406 237 417 916 2.5 –

100 to 499 workers .............................................. 2.2 0 144 125 336 737 2.2 –

500 workers or more ............................................ 5.1 – 0 89 91 900 – –

Geographic areas

Northeast ................................................................. 4.0 0 – 269 440 1,003 4.0 –

New England ....................................................... 1.1 0 – 438 – – – –

Middle Atlantic ..................................................... 5.8 – 533 483 344 690 5.8 –

South ....................................................................... 3.4 0 65 514 723 1,131 – –

South Atlantic ....................................................... 4.8 0 33 221 971 1,202 – –

West South Central .............................................. 2.3 36 – 830 – 1,090 – –

Midwest .................................................................... 3.7 0 432 423 1,384 946 – –

East North Central ............................................... 1.4 0 503 461 – 1,112 – –

West North Central .............................................. 19.1 0 303 – 1,251 707 – –

West ......................................................................... 1.4 0 0 325 399 884 1.4 –

Mountain .............................................................. 1.8 0 – 0 798 – – –

Pacific .................................................................. 1.7 0 0 271 129 1,142 – –

1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered expenses

are fully reimbursed for the rest of the year. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 30. Health maintenance organizations: Amount of annual family out-of-pocket maximum,1

 private industry workers,

2015

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 92 $3,000 $3,000 $5,000 $7,500 $9,700 8 –

Management, professional, and related .................. 91 3,000 3,000 5,000 8,000 9,700 9 –

Management, business, and financial ................. 91 – – 5,200 7,500 9,700 9 –

Professional and related ...................................... 92 3,000 3,000 5,000 8,000 9,700 – –

Service ..................................................................... 88 3,000 – 5,000 – 9,700 – –

Sales and office ....................................................... 88 3,000 – 5,000 7,500 10,700 – –

Sales and related ................................................. 87 3,000 4,400 5,000 5,400 7,500 – –

Office and administrative support ........................ 88 3,000 3,000 5,000 8,000 10,700 – –

Natural resources, construction, and maintenance 98 3,000 3,000 4,000 6,000 9,000 – –

Installation, maintenance, and repair ................... 97 3,000 3,000 4,000 – 10,700 – –

Production, transportation, and material moving ..... 98 2,000 – 6,000 8,000 11,700 – –

Production ............................................................ 98 2,000 3,800 – 8,000 11,700 – –

Transportation and material moving .................... 97 – 3,000 6,000 8,000 – – –

Full time ................................................................... 92 3,000 3,000 5,000 7,500 9,700 8 –

Part time .................................................................. 91 3,000 3,000 – – 10,700 – –

Union ....................................................................... 87 3,000 4,000 5,000 6,000 12,400 – –

Nonunion ................................................................. 92 3,000 3,000 5,000 8,000 9,700 8 –

Average wage within the following categories2:

Second 25 percent ............................................... 94 3,000 – 5,000 8,500 10,700 – –

Third 25 percent ................................................... 91 – 4,000 5,000 7,500 10,700 9 –

Highest 25 percent ............................................... 90 3,000 3,000 5,000 7,500 9,700 10 –

Highest 10 percent ........................................... 91 3,000 3,000 4,500 7,500 9,000 9 –

Establishment characteristics

Goods-producing industries:

Manufacturing .................................................... 98 – 4,000 5,200 7,000 11,700 – –

Service-providing industries ..................................... 91 3,000 3,000 5,000 8,000 9,700 9 –

Trade, transportation, and utilities ....................... 89 3,000 3,000 5,000 7,000 – – –

Retail trade ...................................................... 86 3,000 4,500 5,000 6,000 – – –

Financial activities ................................................ 91 2,000 3,000 4,400 6,700 – – –

Finance and insurance .................................... 91 2,000 3,000 4,400 8,000 10,700 – –

Credit intermediation and related activities .. 94 2,000 3,000 – 8,000 10,700 – –

Insurance carriers and related activities ...... 88 – – – 5,000 – – –

Professional and business services ..................... 99 3,000 4,000 6,000 9,000 9,700 – –

Education and health services ............................. 82 3,000 3,000 4,700 9,000 10,700 18 –

Educational services ........................................ 88 2,000 3,000 4,000 – 9,400 12 –

Junior colleges, colleges, and universities ... 80 2,000 – 3,500 4,000 6,000 20 –

Health care and social assistance ................... 81 3,000 3,000 5,000 9,700 12,400 19 –

See footnotes at end of table.
Table 30. Health maintenance organizations: Amount of annual family out-of-pocket maximum,1

 private industry workers,

2015—continued

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 93 $3,000 $3,000 $5,000 $9,000 $10,700 – –

50 to 99 workers .................................................. 98 – 3,000 4,600 7,000 9,400 – –

100 workers or more ................................................ 90 3,000 3,800 5,000 6,700 9,700 10 –

100 to 499 workers .............................................. 92 3,000 4,000 5,000 7,000 8,500 8 –

500 workers or more ............................................ 85 – 3,000 5,000 6,000 12,400 – –

Geographic areas

Northeast ................................................................. 85 2,000 – 5,000 8,000 12,400 15 –

New England ....................................................... 97 2,000 – 4,000 – – – –

Middle Atlantic ..................................................... 79 – 4,500 6,000 8,500 12,400 21 –

South ....................................................................... 91 3,000 4,500 5,000 9,000 12,400 – –

South Atlantic ....................................................... 87 3,000 4,600 5,000 9,000 – – –

West South Central .............................................. 97 3,000 – 7,000 8,500 12,700 – –

Midwest .................................................................... 93 3,000 3,800 4,700 9,700 10,700 – –

East North Central ............................................... 96 3,000 4,000 4,700 – 9,700 – –

West North Central .............................................. 69 3,000 3,000 – 9,700 12,500 – –

West ......................................................................... 95 3,000 3,000 4,500 7,000 9,000 5 –

Mountain .............................................................. 98 3,000 – 7,000 7,500 9,000 – –

Pacific .................................................................. 95 3,000 3,000 4,500 6,000 9,000 – –

1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered

expenses are fully reimbursed for the rest of the year. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 30. Standard errors for health maintenance organizations: Amount of annual family out-of-pocket maximum,1

 private

industry workers, 2015

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 1.5 $0 $374 $95 $678 $1,238 1.5 –

Management, professional, and related .................. 2.1 100 732 214 670 983 2.1 –

Management, business, and financial ................. 2.6 – – 736 759 2,409 2.6 –

Professional and related ...................................... 3.1 0 817 521 1,414 1,032 – –

Service ..................................................................... 4.7 0 – 478 – 994 – –

Sales and office ....................................................... 3.9 0 – 0 1,078 730 – –

Sales and related ................................................. 9.5 0 609 0 858 847 – –

Office and administrative support ........................ 3.8 73 869 747 710 880 – –

Natural resources, construction, and maintenance 1.0 0 137 258 885 1,916 – –

Installation, maintenance, and repair ................... 1.7 258 0 867 – 2,207 – –

Production, transportation, and material moving ..... 1.4 410 – 1,274 1,080 2,411 – –

Production ............................................................ 2.0 406 1,111 – 1,745 1,905 – –

Transportation and material moving .................... 1.6 – 545 1,298 1,527 – – –

Full time ................................................................... 1.5 0 855 95 683 577 1.5 –

Part time .................................................................. 5.2 258 0 – – 95 – –

Union ....................................................................... 4.2 0 620 708 338 2,400 – –

Nonunion ................................................................. 1.4 0 220 275 660 1,064 1.4 –

Average wage within the following categories2:

Second 25 percent ............................................... 2.5 0 – 103 878 0 – –

Third 25 percent ................................................... 2.0 – 1,062 356 685 1,782 2.0 –

Highest 25 percent ............................................... 2.1 489 560 335 524 352 2.1 –

Highest 10 percent ........................................... 2.7 0 0 800 736 644 2.7 –

Establishment characteristics

Goods-producing industries:

Manufacturing .................................................... 1.4 – 1,179 555 760 2,358 – –

Service-providing industries ..................................... 1.8 0 356 229 734 1,251 1.8 –

Trade, transportation, and utilities ....................... 5.3 0 748 0 930 – – –

Retail trade ...................................................... 9.8 0 516 403 245 – – –

Financial activities ................................................ 3.1 0 328 770 1,268 – – –

Finance and insurance .................................... 2.9 0 0 541 1,780 3,184 – –

Credit intermediation and related activities .. 3.0 0 887 – 359 1,791 – –

Insurance carriers and related activities ...... 4.2 – – – 1,277 – – –

Professional and business services ..................... 0.9 463 479 1,280 2,188 0 – –

Education and health services ............................. 4.1 0 0 647 899 1,491 4.1 –

Educational services ........................................ 3.2 348 456 0 – 752 3.2 –

Junior colleges, colleges, and universities ... 4.4 584 – 619 182 966 4.4 –

Health care and social assistance ................... 5.4 0 0 475 1,831 1,245 5.4 –

See footnotes at end of table.
Table 30. Standard errors for health maintenance organizations: Amount of annual family out-of-pocket maximum,1

 private

industry workers, 2015—continued

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 2.1 $504 $164 $371 $1,019 $912 – –

50 to 99 workers .................................................. 0.9 – 335 348 1,948 1,735 – –

100 workers or more ................................................ 2.5 0 597 91 780 1,114 2.5 –

100 to 499 workers .............................................. 2.2 0 98 458 494 1,517 2.2 –

500 workers or more ............................................ 5.1 – 109 589 182 1,328 – –

Geographic areas

Northeast ................................................................. 4.0 0 – 620 961 2,021 4.0 –

New England ....................................................... 1.1 0 – 944 – – – –

Middle Atlantic ..................................................... 5.8 – 1,176 763 792 1,504 5.8 –

South ....................................................................... 3.4 0 612 1,190 1,333 2,452 – –

South Atlantic ....................................................... 4.8 0 320 547 2,292 – – –

West South Central .............................................. 2.3 73 – 1,755 2,122 3,664 – –

Midwest .................................................................... 3.7 0 916 699 2,377 1,843 – –

East North Central ............................................... 1.4 0 856 759 – 2,132 – –

West North Central .............................................. 19.1 0 795 – 2,392 1,131 – –

West ......................................................................... 1.4 0 0 560 1,422 1,461 1.4 –

Mountain .............................................................. 1.8 0 – 1,580 605 1,605 – –

Pacific .................................................................. 1.7 0 0 457 950 1,787 – –

1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered expenses are

fully reimbursed for the rest of the year. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories

were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 31. Health maintenance organizations: Coverage for

mental health care,1

 private industry workers, 2015

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

Inpatient

mental health

care

Outpatient

mental health

care

Worker characteristics

All workers ............................................................... 82 82

Management, professional, and related .................. 84 84

Professional and related ...................................... 87 87

Natural resources, construction, and maintenance 95 93

Installation, maintenance, and repair ................... 93 90

Production, transportation, and material moving ..... 91 89

Production ............................................................ 90 87

Transportation and material moving .................... 92 92

Full time ................................................................... 82 81

Part time .................................................................. 86 86

Union ....................................................................... 91 89

Nonunion ................................................................. 81 –

Average wage within the following categories2:

Second 25 percent ............................................... 82 81

Third 25 percent ................................................... 88 87

Highest 25 percent ............................................... 81 80

Highest 10 percent ........................................... 81 81

Establishment characteristics

Service-providing industries ..................................... 83 82

Trade, transportation, and utilities ....................... 83 82

Financial activities ................................................ 89 86

Finance and insurance .................................... 88 87

Credit intermediation and related activities .. 85 85

Insurance carriers and related activities ...... 90 90

Professional and business services ..................... 95 94

Education and health services ............................. 83 82

Educational services ........................................ 81 81

Junior colleges, colleges, and universities ... 90 90

Health care and social assistance ................... 83 83

1 to 99 workers ........................................................ 81 –

100 workers or more ................................................ 84 84

500 workers or more ............................................ 92 92

Geographic areas

Northeast ................................................................. 88 86

New England ....................................................... 88 84

Middle Atlantic ..................................................... 88 87

South:

East South Central ............................................... 89 89

Midwest .................................................................... 92 91

West North Central .............................................. 98 98

West:

Mountain .............................................................. 90 90

1 The remaining workers include both workers not receiving the benefit and workers for

whom the availability of the benefit could not be determined. 2 Surveyed occupations are classified into wage categories based on the average wage for

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

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

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 31. Standard errors for health maintenance

organizations: Coverage for mental health care,1

 private

industry workers, 2015

Characteristics

Inpatient

mental health

care

Outpatient

mental health

care

Worker characteristics

All workers ............................................................... 2.8 2.8

Management, professional, and related .................. 3.8 3.8

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

Natural resources, construction, and maintenance 2.4 3.1

Installation, maintenance, and repair ................... 4.5 5.6

Production, transportation, and material moving ..... 3.2 3.5

Production ............................................................ 4.1 4.6

Transportation and material moving .................... 3.7 3.7

Full time ................................................................... 2.8 2.8

Part time .................................................................. 12.3 12.3

Union ....................................................................... 3.5 3.5

Nonunion ................................................................. 3.2 –

Average wage within the following categories2:

Second 25 percent ............................................... 5.6 5.7

Third 25 percent ................................................... 2.7 2.7

Highest 25 percent ............................................... 4.7 4.7

Highest 10 percent ........................................... 4.4 4.4

Establishment characteristics

Service-providing industries ..................................... 2.8 2.9

Trade, transportation, and utilities ....................... 4.0 4.9

Financial activities ................................................ 3.6 4.4

Finance and insurance .................................... 4.5 4.5

Credit intermediation and related activities .. 6.6 6.6

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

Professional and business services ..................... 3.4 3.6

Education and health services ............................. 4.4 4.3

Educational services ........................................ 7.4 7.4

Junior colleges, colleges, and universities ... 3.7 3.7

Health care and social assistance ................... 5.3 5.2

1 to 99 workers ........................................................ 4.9 –

100 workers or more ................................................ 3.5 3.5

500 workers or more ............................................ 1.7 1.8

Geographic areas

Northeast ................................................................. 3.4 3.6

New England ....................................................... 5.9 6.7

Middle Atlantic ..................................................... 4.2 4.2

South:

East South Central ............................................... 7.6 7.6

Midwest .................................................................... 3.5 3.5

West North Central .............................................. 1.4 1.4

West:

Mountain .............................................................. 8.8 8.8

1 The remaining workers include both workers not receiving the benefit and workers for

whom the availability of the benefit could not be determined. 2 Surveyed occupations are classified into wage categories based on the average wage for

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

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

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 32. Inpatient mental health care benefits: Extent of coverage by type of

plan, private industry workers, 2015

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

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristics

All workers ............................................................... 5 76 – –

Management, professional, and related .................. – – – –

Professional and related ...................................... – – – –

Service ..................................................................... – 73 – 17

Sales and office ....................................................... 2 79 – –

Sales and related ................................................. – 81 – 18

Natural resources, construction, and maintenance 6 76 – –

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

Production, transportation, and material moving ..... 4 79 – –

Production ............................................................ – 79 – 18

Transportation and material moving .................... – 79 – 14

Full time ................................................................... 5 75 – –

Part time .................................................................. – 85 – 12

Union ....................................................................... 10 76 – –

Nonunion ................................................................. – – – –

Average wage within the following categories2:

Second 25 percent ............................................... 4 77 – –

Third 25 percent ................................................... 5 76 – –

Highest 25 percent ............................................... – – – –

Highest 10 percent ........................................... 6 75 – –

Establishment characteristics

Service-providing industries ..................................... 5 77 – –

Trade, transportation, and utilities ....................... 2 82 – –

Retail trade ...................................................... – 80 – 18

Financial activities ................................................ – – – –

Finance and insurance .................................... – – – –

Credit intermediation and related activities .. – – – –

Insurance carriers and related activities ...... – 77 – 18

Professional and business services ..................... – 85 – 10

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

Educational services ........................................ – 75 – 14

Junior colleges, colleges, and universities ... 8 83 – –

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

1 to 99 workers ........................................................ 3 78 – –

100 workers or more ................................................ – – – –

500 workers or more ............................................ 7 74 – –

See footnotes at end of table.
Table 32. Inpatient mental health care benefits: Extent of coverage by type of plan, private industry workers,

2015—continued

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

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristics

All workers ............................................................... 3 78 – – 16 67 – 18

Management, professional, and related .................. – – – – 16 67 – 16

Professional and related ...................................... – – – – – 70 – 13

Service ..................................................................... – 79 – 15 – – – –

Sales and office ....................................................... 1 80 – – – – – –

Sales and related ................................................. – 84 – 15 – – – –

Natural resources, construction, and maintenance – – – – – 82 – 5

Installation, maintenance, and repair ................... – – – – – 88 – 7

Production, transportation, and material moving ..... – 80 – 17 – 70 – 9

Production ............................................................ – 79 – 19 – 76 – 10

Transportation and material moving .................... – 81 – 15 – 60 – 8

Full time ................................................................... – – – – 16 66 – 18

Part time .................................................................. – 86 – 11 – 79 – 14

Union ....................................................................... 6 78 – – – 62 – 9

Nonunion ................................................................. – – – – 14 67 – 19

Average wage within the following categories2:

Second 25 percent ............................................... 3 78 – – – 76 – 18

Third 25 percent ................................................... – – – – 15 72 – 12

Highest 25 percent ............................................... – – – – 23 58 – 19

Highest 10 percent ........................................... – 78 – 19 28 53 – 19

Establishment characteristics

Service-providing industries ..................................... 3 79 – – 15 68 – 17

Trade, transportation, and utilities ....................... – 83 – 16 – 74 – 17

Retail trade ...................................................... – 82 – 17 – – – –

Financial activities ................................................ – – – – 10 79 – 11

Finance and insurance .................................... – – – – 12 76 – 12

Credit intermediation and related activities .. – – – – – 77 – 15

Insurance carriers and related activities ...... – 78 – 18 – 68 – 10

Professional and business services ..................... – 87 – 11 – 76 – 5

Education and health services ............................. – – – – – 61 – 17

Educational services ........................................ 2 85 – – – 56 – 19

Junior colleges, colleges, and universities ... 4 87 – – 17 73 – 10

Health care and social assistance ................... – – – – – 63 – 17

1 to 99 workers ........................................................ – 79 – 18 8 73 – 19

100 workers or more ................................................ – – – – 24 60 – 16

500 workers or more ............................................ – – – – 31 61 – 8

See footnotes at end of table.
Table 32. Inpatient mental health care benefits: Extent of coverage by type of

plan, private industry workers, 2015—continued

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

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic areas

Northeast ................................................................. 9 74 – 16

New England ....................................................... 10 71 – 18

Middle Atlantic ..................................................... 9 75 – 16

South ....................................................................... 2 78 – –

East South Central ............................................... – 83 – 16

West South Central .............................................. – 81 – 16

Midwest .................................................................... – – – –

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

West North Central .............................................. – 80 – 18

West ......................................................................... 7 74 – 19

Mountain .............................................................. – 82 – 14

Pacific .................................................................. – – – –

See footnotes at end of table.
Table 32. Inpatient mental health care benefits: Extent of coverage by type of plan, private industry workers,

2015—continued

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

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic areas

Northeast ................................................................. 7 75 – 18 16 72 – 12

New England ....................................................... – – – – 17 71 – 12

Middle Atlantic ..................................................... 7 76 – 17 – 73 – 12

South ....................................................................... – 80 – 18 – – – –

East South Central ............................................... – 83 – 16 – 86 – 11

West South Central .............................................. – 82 – 16 – – – –

Midwest .................................................................... – – – – – 79 – 8

East North Central ............................................... – – – – – 79 – 9

West North Central .............................................. – 80 – 19 – 79 – 2

West ......................................................................... – 80 – 18 – – – –

Mountain .............................................................. – 83 – 15 – 80 – 10

Pacific .................................................................. – 78 – 19 – – – –

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the participant pay a percentage of costs (coinsurance), or a requirement that the participant pay a

specific amount (deductible or copayment) before reimbursement begins or services are rendered. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March

2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 32. Standard errors for inpatient mental health care benefits: Extent of

coverage by type of plan, private industry workers, 2015

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristics

All workers ............................................................... 0.6 1.3 – –

Management, professional, and related .................. – – – –

Professional and related ...................................... – – – –

Service ..................................................................... – 3.7 – 3.1

Sales and office ....................................................... 0.3 1.7 – –

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

Natural resources, construction, and maintenance 1.6 2.6 – –

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

Production, transportation, and material moving ..... 1.3 2.9 – –

Production ............................................................ – 3.4 – 2.9

Transportation and material moving .................... – 4.5 – 2.8

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

Part time .................................................................. – 2.9 – 2.2

Union ....................................................................... 2.1 4.2 – –

Nonunion ................................................................. – – – –

Average wage within the following categories2:

Second 25 percent ............................................... 0.8 2.2 – –

Third 25 percent ................................................... 0.8 1.5 – –

Highest 25 percent ............................................... – – – –

Highest 10 percent ........................................... 1.4 3.0 – –

Establishment characteristics

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

Trade, transportation, and utilities ....................... 0.6 1.6 – –

Retail trade ...................................................... – 1.7 – 1.5

Financial activities ................................................ – – – –

Finance and insurance .................................... – – – –

Credit intermediation and related activities .. – – – –

Insurance carriers and related activities ...... – 3.8 – 3.4

Professional and business services ..................... – 4.0 – 3.1

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

Educational services ........................................ – 5.2 – 4.7

Junior colleges, colleges, and universities ... 0.9 2.6 – –

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

1 to 99 workers ........................................................ 0.7 1.7 – –

100 workers or more ................................................ – – – –

500 workers or more ............................................ 1.2 2.0 – –

See footnotes at end of table.
Table 32. Standard errors for inpatient mental health care benefits: Extent of coverage by type of plan, private industry

workers, 2015—continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristics

All workers ............................................................... 0.5 1.3 – – 3.0 4.2 – 2.8

Management, professional, and related .................. – – – – 4.0 5.3 – 3.8

Professional and related ...................................... – – – – – 6.5 – 3.3

Service ..................................................................... – 3.7 – 2.7 – – – –

Sales and office ....................................................... 0.2 1.6 – – – – – –

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

Natural resources, construction, and maintenance – – – – – 4.9 – 2.4

Installation, maintenance, and repair ................... – – – – – 5.0 – 4.5

Production, transportation, and material moving ..... – 2.8 – 2.5 – 7.3 – 3.2

Production ............................................................ – 3.6 – 3.3 – 6.8 – 4.1

Transportation and material moving .................... – 3.9 – 3.5 – 12.7 – 3.7

Full time ................................................................... – – – – 3.0 3.8 – 2.8

Part time .................................................................. – 2.2 – 1.8 – 16.6 – 12.3

Union ....................................................................... 1.4 4.5 – – – 9.0 – 3.5

Nonunion ................................................................. – – – – 3.1 4.5 – 3.2

Average wage within the following categories2:

Second 25 percent ............................................... 0.9 2.3 – – – 7.1 – 5.6

Third 25 percent ................................................... – – – – 4.3 4.6 – 2.7

Highest 25 percent ............................................... – – – – 4.4 6.0 – 4.7

Highest 10 percent ........................................... – 2.7 – 2.7 6.7 6.6 – 4.4

Establishment characteristics

Service-providing industries ..................................... 0.6 1.5 – – 3.6 4.7 – 2.8

Trade, transportation, and utilities ....................... – 1.7 – 1.3 – 5.0 – 4.0

Retail trade ...................................................... – 2.1 – 2.0 – – – –

Financial activities ................................................ – – – – 2.6 4.4 – 3.6

Finance and insurance .................................... – – – – 3.0 5.1 – 4.5

Credit intermediation and related activities .. – – – – – 7.0 – 6.6

Insurance carriers and related activities ...... – 3.9 – 3.7 – 7.8 – 5.0

Professional and business services ..................... – 3.4 – 3.2 – 10.3 – 3.4

Education and health services ............................. – – – – – 10.6 – 4.4

Educational services ........................................ 0.4 5.0 – – – 9.6 – 7.4

Junior colleges, colleges, and universities ... 0.6 3.0 – – 2.3 4.0 – 3.7

Health care and social assistance ................... – – – – – 13.8 – 5.3

1 to 99 workers ........................................................ – 1.6 – 1.4 2.3 5.8 – 4.9

100 workers or more ................................................ – – – – 4.2 4.5 – 3.5

500 workers or more ............................................ – – – – 5.3 5.3 – 1.7

See footnotes at end of table.
Table 32. Standard errors for inpatient mental health care benefits: Extent of

coverage by type of plan, private industry workers, 2015—continued

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic areas

Northeast ................................................................. 1.4 2.8 – 2.2

New England ....................................................... 3.1 4.5 – 4.3

Middle Atlantic ..................................................... 1.6 3.3 – 2.5

South ....................................................................... 0.6 2.1 – –

East South Central ............................................... – 5.3 – 5.1

West South Central .............................................. – 2.4 – 2.1

Midwest .................................................................... – – – –

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

West North Central .............................................. – 3.1 – 3.1

West ......................................................................... 2.0 3.4 – 2.6

Mountain .............................................................. – 5.3 – 3.8

Pacific .................................................................. – – – –

See footnotes at end of table.
Table 32. Standard errors for inpatient mental health care benefits: Extent of coverage by type of plan, private industry

workers, 2015—continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic areas

Northeast ................................................................. 1.2 2.9 – 2.5 3.9 4.9 – 3.4

New England ....................................................... – – – – 4.2 5.5 – 5.9

Middle Atlantic ..................................................... 1.2 3.2 – 2.9 – 6.9 – 4.2

South ....................................................................... – 2.0 – 1.9 – – – –

East South Central ............................................... – 5.5 – 5.4 – 8.1 – 7.6

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

Midwest .................................................................... – – – – – 7.8 – 3.5

East North Central ............................................... – – – – – 8.9 – 4.2

West North Central .............................................. – 3.5 – 3.4 – 10.5 – 1.4

West ......................................................................... – 2.6 – 2.3 – – – –

Mountain .............................................................. – 4.5 – 3.4 – 13.5 – 8.8

Pacific .................................................................. – 3.2 – 3.0 – – – –

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the participant pay a percentage of costs (coinsurance), or a requirement that the participant pay a

specific amount (deductible or copayment) before reimbursement begins or services are rendered. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March

2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 33. Outpatient mental health care benefits: Extent of coverage by type of plan, private industry workers, 2015

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

Characteristics

All plans Fee-for-service plan

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristics

All workers ............................................................... 1 79 – – 1 79 – –

Management, professional, and related .................. – – – – – – – –

Professional and related ...................................... – – – – – – – –

Service ..................................................................... – 80 – 19 – 82 – 18

Sales and office ....................................................... – 80 – 19 – 81 – 18

Sales and related ................................................. – 82 – 18 – 84 – 15

Natural resources, construction, and maintenance – 79 – 16 – 77 – 17

Installation, maintenance, and repair ................... – 78 – 16 – 76 – 17

Production, transportation, and material moving ..... – 83 – 16 – 82 – 17

Production ............................................................ – 80 – 17 – 79 – 18

Transportation and material moving .................... – 85 – 14 – 84 – 15

Full time ................................................................... – – – – – – – –

Part time .................................................................. – 88 – 11 – 89 – 11

Union ....................................................................... – 82 – 15 – 81 – 16

Average wage within the following categories2:

Second 25 percent ............................................... – 80 – 19 – 80 – 19

Third 25 percent ................................................... – 81 – 18 – 79 – 19

Highest 25 percent ............................................... – – – – – – – –

Highest 10 percent ........................................... – – – – – – – –

Establishment characteristics

Service-providing industries ..................................... 1 80 – – – 80 – 18

Trade, transportation, and utilities ....................... – 84 – 15 – 84 – 15

Retail trade ...................................................... – 81 – 18 – 82 – 17

Financial activities ................................................ – – – – – – – –

Finance and insurance .................................... – – – – – – – –

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

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

Professional and business services ..................... – 88 – 10 – 86 – 11

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

Educational services ........................................ – 77 – 17 – 82 – 16

Junior colleges, colleges, and universities ... 1 89 – – – 89 – 8

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

1 to 99 workers ........................................................ – 80 – 18 – 80 – 18

100 workers or more ................................................ – – – – – – – –

500 workers or more ............................................ – 81 – 19 – – – –

See footnotes at end of table.
Table 33. Outpatient mental health care benefits: Extent of coverage by type

of plan, private industry workers, 2015—continued

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

Characteristics

Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristics

All workers ............................................................... – 80 – 18

Management, professional, and related .................. – 82 – 16

Professional and related ...................................... – 85 – 13

Service ..................................................................... – – – –

Sales and office ....................................................... – – – –

Sales and related ................................................. – – – –

Natural resources, construction, and maintenance – 93 – 7

Installation, maintenance, and repair ................... – 89 – 10

Production, transportation, and material moving ..... – 88 – 10

Production ............................................................ – 87 – 11

Transportation and material moving .................... – 90 – 8

Full time ................................................................... – 80 – 18

Part time .................................................................. – 84 – 14

Union ....................................................................... – 87 – 10

Average wage within the following categories2:

Second 25 percent ............................................... – 79 – 19

Third 25 percent ................................................... – 86 – 13

Highest 25 percent ............................................... – 78 – 19

Highest 10 percent ........................................... – 80 – 19

Establishment characteristics

Service-providing industries ..................................... – 81 – 18

Trade, transportation, and utilities ....................... – 81 – 17

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

Financial activities ................................................ – 84 – 14

Finance and insurance .................................... – 84 – 13

Credit intermediation and related activities .. – 82 – 15

Insurance carriers and related activities ...... – 87 – 10

Professional and business services ..................... – 94 – 6

Education and health services ............................. – 79 – 18

Educational services ........................................ – 69 – 19

Junior colleges, colleges, and universities ... – 87 – 10

Health care and social assistance ................... – 83 – 17

1 to 99 workers ........................................................ – – – –

100 workers or more ................................................ – 82 – 16

500 workers or more ............................................ – 90 – 8

See footnotes at end of table.
Table 33. Outpatient mental health care benefits: Extent of coverage by type of plan, private industry workers,

2015—continued

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

Characteristics

All plans Fee-for-service plan

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic areas

Northeast ................................................................. – 81 – 18 – 79 – 19

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

Middle Atlantic ..................................................... – 82 – 17 – 81 – 18

South ....................................................................... – – – – – 79 – 19

East South Central ............................................... – 84 – 16 – 84 – 16

West South Central .............................................. – 82 – 16 – 82 – 16

Midwest .................................................................... – – – – – – – –

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

West North Central .............................................. – 82 – 18 – 81 – 18

West ......................................................................... – 79 – 19 – 80 – 18

Mountain .............................................................. – 83 – 16 – 82 – 17

Pacific .................................................................. – – – – – 79 – 19

See footnotes at end of table.
Table 33. Outpatient mental health care benefits: Extent of coverage by type

of plan, private industry workers, 2015—continued

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

Characteristics

Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic areas

Northeast ................................................................. – 85 – 14

New England ....................................................... – 83 – 16

Middle Atlantic ..................................................... – 86 – 13

South ....................................................................... – – – –

East South Central ............................................... – 86 – 11

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

Midwest .................................................................... – 91 – 9

East North Central ............................................... – 90 – 10

West North Central .............................................. – 98 – 2

West ......................................................................... – – – –

Mountain .............................................................. – 90 – 10

Pacific .................................................................. – – – –

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the participant pay a percentage of

costs (coinsurance), or a requirement that the participant pay a specific amount (deductible or copayment) before

reimbursement begins or services are rendered. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may

include workers with earnings both above and below the threshold. The categories were formed using percentile estimates

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

March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 33. Standard errors for outpatient mental health care benefits: Extent of coverage by type of plan, private

industry workers, 2015

Characteristics

All plans Fee-for-service plan

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristics

All workers ............................................................... 0.3 1.1 – – 0.3 1.3 – –

Management, professional, and related .................. – – – – – – – –

Professional and related ...................................... – – – – – – – –

Service ..................................................................... – 3.4 – 3.3 – 2.9 – 2.9

Sales and office ....................................................... – 1.5 – 1.6 – 1.6 – 1.7

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

Natural resources, construction, and maintenance – 2.3 – 1.9 – 2.5 – 2.1

Installation, maintenance, and repair ................... – 3.7 – 2.9 – 3.9 – 3.3

Production, transportation, and material moving ..... – 2.3 – 2.2 – 2.7 – 2.5

Production ............................................................ – 3.1 – 2.9 – 3.6 – 3.3

Transportation and material moving .................... – 2.8 – 2.8 – 3.5 – 3.5

Full time ................................................................... – – – – – – – –

Part time .................................................................. – 2.2 – 2.2 – 1.9 – 1.8

Union ....................................................................... – 3.8 – 3.9 – 4.4 – 4.4

Average wage within the following categories2:

Second 25 percent ............................................... – 1.8 – 1.8 – 1.8 – 1.8

Third 25 percent ................................................... – 1.5 – 1.4 – 1.7 – 1.5

Highest 25 percent ............................................... – – – – – – – –

Highest 10 percent ........................................... – – – – – – – –

Establishment characteristics

Service-providing industries ..................................... 0.3 1.3 – – – 1.4 – 1.4

Trade, transportation, and utilities ....................... – 1.5 – 1.2 – 1.6 – 1.3

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

Financial activities ................................................ – – – – – – – –

Finance and insurance .................................... – – – – – – – –

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

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

Professional and business services ..................... – 3.3 – 3.1 – 3.5 – 3.2

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

Educational services ........................................ – 4.8 – 4.3 – 3.5 – 3.7

Junior colleges, colleges, and universities ... 0.4 2.5 – – – 3.0 – 3.1

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

1 to 99 workers ........................................................ – 1.5 – 1.5 – 1.5 – 1.4

100 workers or more ................................................ – – – – – – – –

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

See footnotes at end of table.
Table 33. Standard errors for outpatient mental health care benefits: Extent of

coverage by type of plan, private industry workers, 2015—continued

Characteristics

Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Worker characteristics

All workers ............................................................... – 2.9 – 2.8

Management, professional, and related .................. – 3.9 – 3.8

Professional and related ...................................... – 3.8 – 3.3

Service ..................................................................... – – – –

Sales and office ....................................................... – – – –

Sales and related ................................................. – – – –

Natural resources, construction, and maintenance – 3.1 – 3.1

Installation, maintenance, and repair ................... – 5.7 – 5.6

Production, transportation, and material moving ..... – 3.8 – 3.3

Production ............................................................ – 4.6 – 4.2

Transportation and material moving .................... – 5.0 – 3.7

Full time ................................................................... – 2.8 – 2.8

Part time .................................................................. – 12.5 – 12.3

Union ....................................................................... – 3.6 – 3.5

Average wage within the following categories2:

Second 25 percent ............................................... – 5.9 – 5.7

Third 25 percent ................................................... – 2.7 – 2.7

Highest 25 percent ............................................... – 4.7 – 4.7

Highest 10 percent ........................................... – 4.2 – 4.4

Establishment characteristics

Service-providing industries ..................................... – 2.9 – 2.8

Trade, transportation, and utilities ....................... – 4.5 – 4.0

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

Financial activities ................................................ – 4.6 – 4.4

Finance and insurance .................................... – 4.6 – 4.5

Credit intermediation and related activities .. – 7.0 – 6.6

Insurance carriers and related activities ...... – 5.6 – 5.0

Professional and business services ..................... – 3.6 – 3.6

Education and health services ............................. – 4.7 – 4.3

Educational services ........................................ – 9.6 – 7.4

Junior colleges, colleges, and universities ... – 3.5 – 3.7

Health care and social assistance ................... – 5.2 – 5.2

1 to 99 workers ........................................................ – – – –

100 workers or more ................................................ – 3.6 – 3.5

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

See footnotes at end of table.
Table 33. Standard errors for outpatient mental health care benefits: Extent of coverage by type of plan, private

industry workers, 2015—continued

Characteristics

All plans Fee-for-service plan

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic areas

Northeast ................................................................. – 2.6 – 2.2 – 3.0 – 2.5

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

Middle Atlantic ..................................................... – 2.8 – 2.4 – 3.1 – 2.7

South ....................................................................... – – – – – 2.1 – 2.0

East South Central ............................................... – 5.2 – 5.1 – 5.5 – 5.4

West South Central .............................................. – 1.9 – 2.1 – 2.6 – 2.6

Midwest .................................................................... – – – – – – – –

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

West North Central .............................................. – 2.9 – 2.9 – 3.3 – 3.3

West ......................................................................... – 2.2 – 2.4 – 2.4 – 2.4

Mountain .............................................................. – 3.2 – 3.9 – 3.0 – 3.5

Pacific .................................................................. – – – – – 3.4 – 3.2

See footnotes at end of table.
Table 33. Standard errors for outpatient mental health care benefits: Extent of

coverage by type of plan, private industry workers, 2015—continued

Characteristics

Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic areas

Northeast ................................................................. – 3.7 – 3.6

New England ....................................................... – 6.7 – 6.7

Middle Atlantic ..................................................... – 4.5 – 4.2

South ....................................................................... – – – –

East South Central ............................................... – 8.1 – 7.6

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

Midwest .................................................................... – 3.5 – 3.5

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

West North Central .............................................. – 1.4 – 1.4

West ......................................................................... – – – –

Mountain .............................................................. – 8.8 – 8.8

Pacific .................................................................. – – – –

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the participant pay a percentage of

costs (coinsurance), or a requirement that the participant pay a specific amount (deductible or copayment) before

reimbursement begins or services are rendered. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may

include workers with earnings both above and below the threshold. The categories were formed using percentile estimates

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

March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 34. Outpatient prescription drug benefits:1

 Type of coverage, private industry

workers, 2015

(All workers participating in outpatient prescription drug plans = 100 percent)

Characteristics Generic drugs

Brand-name

drugs on

formulary

Brand-name

nonformulary

drugs

Mail order

drugs

Worker characteristics

All workers ............................................................... 100 99 85 88

Management, professional, and related .................. 100 99 90 88

Management, business, and financial ................. 100 99 92 90

Professional and related ...................................... 100 99 88 87

Service ..................................................................... 100 99 83 88

Sales and office ....................................................... 100 99 81 87

Sales and related ................................................. 100 – 73 84

Office and administrative support ........................ 100 99 85 89

Natural resources, construction, and maintenance 100 99 92 92

Installation, maintenance, and repair ................... 100 99 89 89

Production, transportation, and material moving ..... 100 100 77 89

Production ............................................................ 100 99 84 89

Transportation and material moving .................... 100 100 68 89

Full time ................................................................... 100 99 86 89

Part time .................................................................. 99 98 67 85

Union ....................................................................... 100 99 79 94

Nonunion ................................................................. 100 99 86 87

Average wage within the following categories2:

Second 25 percent ............................................... 100 99 84 88

Third 25 percent ................................................... 100 100 86 88

Highest 25 percent ............................................... 100 99 87 90

Highest 10 percent ........................................... 100 99 87 91

Establishment characteristics

Goods-producing industries ..................................... 100 98 89 92

Manufacturing ...................................................... 100 98 86 92

Service-providing industries ..................................... 100 99 84 87

Trade, transportation, and utilities ....................... 100 – 70 87

Retail trade ...................................................... 100 – 68 83

Transportation and warehousing ..................... 100 100 56 90

Information ........................................................... 100 100 92 94

Financial activities ................................................ 100 99 88 86

Finance and insurance .................................... 100 99 87 90

Credit intermediation and related activities .. 100 99 85 88

Insurance carriers and related activities ...... 100 98 94 92

Real estate and rental and leasing .................. 100 100 93 69

Professional and business services ..................... 100 100 88 85

Professional and technical services ................. 100 100 90 88

Education and health services ............................. 100 99 88 88

Educational services ........................................ 100 99 88 89

Junior colleges, colleges, and universities ... 100 100 93 89

Health care and social assistance ................... 100 99 88 88

Other services ...................................................... 100 96 90 88

See footnotes at end of table.
Table 34. Outpatient prescription drug benefits:1

 Type of coverage, private industry

workers, 2015—continued

(All workers participating in outpatient prescription drug plans = 100 percent)

Characteristics Generic drugs

Brand-name

drugs on

formulary

Brand-name

nonformulary

drugs

Mail order

drugs

1 to 99 workers:

50 to 99 workers ................................................ 99 97 86 90

100 workers or more ................................................ 100 99 81 91

100 to 499 workers .............................................. 100 – 81 91

500 workers or more ............................................ 100 99 81 91

Geographic areas

Northeast ................................................................. 100 99 86 89

New England ....................................................... 100 99 88 83

Middle Atlantic ..................................................... 100 99 86 91

South ....................................................................... 100 99 86 88

South Atlantic ....................................................... 100 99 86 89

West South Central .............................................. 100 100 88 87

Midwest .................................................................... 100 – 85 86

East North Central ............................................... 100 99 86 88

West North Central .............................................. 100 99 83 83

West ......................................................................... 100 99 81 91

Mountain .............................................................. 100 100 87 90

Pacific .................................................................. 100 99 78 91

1 Outpatient prescription drug benefits include both stand-alone drug plans and prescription drug benefits included as part of a medical

plan. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers

with earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the

National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

Note: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 34. Standard errors for outpatient prescription drug benefits:1

 Type of coverage,

private industry workers, 2015

Characteristics Generic drugs

Brand-name

drugs on

formulary

Brand-name

nonformulary

drugs

Mail order

drugs

Worker characteristics

All workers ............................................................... 2 ( ) 0.2 0.9 0.7

Management, professional, and related .................. 2 ( ) 0.4 1.3 1.2

Management, business, and financial ................. 2 ( ) 0.4 1.1 1.5

Professional and related ...................................... 0.1 0.5 2.1 1.7

Service ..................................................................... 0.2 0.3 3.3 3.3

Sales and office ....................................................... 2 ( ) 0.4 1.2 1.4

Sales and related ................................................. 2 ( ) – 2.0 3.1

Office and administrative support ........................ 2 ( ) 0.3 1.3 1.4

Natural resources, construction, and maintenance 2 ( ) 0.3 1.4 1.8

Installation, maintenance, and repair ................... 2 ( ) 0.6 2.1 3.0

Production, transportation, and material moving ..... 2 ( ) 0.2 3.0 2.0

Production ............................................................ 2 ( ) 0.4 3.0 2.8

Transportation and material moving .................... 2 ( ) 0.2 5.1 2.0

Full time ................................................................... 2 ( ) 0.2 0.9 0.7

Part time .................................................................. 0.4 1.0 3.7 3.8

Union ....................................................................... 2 ( ) 0.6 3.3 1.7

Nonunion ................................................................. 2 ( ) 0.2 1.0 0.8

Average wage within the following categories3:

Second 25 percent ............................................... 2 ( ) 0.3 2.0 1.2

Third 25 percent ................................................... 2 ( ) 0.2 1.3 1.2

Highest 25 percent ............................................... 2 ( ) 0.4 1.5 1.1

Highest 10 percent ........................................... 2 ( ) 0.4 1.9 1.1

Establishment characteristics

Goods-producing industries ..................................... 2 ( ) 0.6 1.8 1.3

Manufacturing ...................................................... 2 ( ) 0.8 2.5 1.8

Service-providing industries ..................................... 2 ( ) 0.2 1.1 0.8

Trade, transportation, and utilities ....................... 2 ( ) – 2.6 1.4

Retail trade ...................................................... 2 ( ) – 2.3 2.2

Transportation and warehousing ..................... 2 ( ) 2 ( ) 7.2 5.1

Information ........................................................... 2 ( ) 2 ( ) 3.3 2.7

Financial activities ................................................ 0.1 0.4 1.2 1.9

Finance and insurance .................................... 0.1 0.5 1.3 1.1

Credit intermediation and related activities .. 0.2 0.1 2.2 1.3

Insurance carriers and related activities ...... 2 ( ) 1.3 1.9 2.2

Real estate and rental and leasing .................. 2 ( ) 2 ( ) 4.9 9.3

Professional and business services ..................... 2 ( ) 2 ( ) 2.9 2.3

Professional and technical services ................. 2 ( ) 2 ( ) 3.2 2.7

Education and health services ............................. 2 ( ) 0.3 1.9 1.9

Educational services ........................................ 2 ( ) 1.2 3.3 2.0

Junior colleges, colleges, and universities ... 2 ( ) 2 ( ) 2.1 3.4

Health care and social assistance ................... 2 ( ) 0.3 2.1 2.2

Other services ...................................................... 2 ( ) 4.4 5.1 6.5

See footnotes at end of table.
Table 34. Standard errors for outpatient prescription drug benefits:1

 Type of coverage,

private industry workers, 2015—continued

Characteristics Generic drugs

Brand-name

drugs on

formulary

Brand-name

nonformulary

drugs

Mail order

drugs

1 to 99 workers:

50 to 99 workers ................................................ 0.2 1.0 2.7 2.0

100 workers or more ................................................ 2 ( ) 0.3 1.4 1.0

100 to 499 workers .............................................. 2 ( ) – 1.7 1.3

500 workers or more ............................................ 2 ( ) 0.4 2.5 1.6

Geographic areas

Northeast ................................................................. 2 ( ) 0.7 2.0 1.9

New England ....................................................... 2 ( ) 0.9 3.8 2.9

Middle Atlantic ..................................................... 2 ( ) 0.9 2.3 2.4

South ....................................................................... 2 ( ) 0.3 1.8 0.9

South Atlantic ....................................................... 2 ( ) 0.5 2.2 1.2

West South Central .............................................. 2 ( ) 0.2 3.8 1.6

Midwest .................................................................... 0.1 – 1.9 1.5

East North Central ............................................... 0.1 0.6 2.4 1.8

West North Central .............................................. 0.3 0.6 2.8 2.9

West ......................................................................... 2 ( ) 0.5 1.6 1.7

Mountain .............................................................. 2 ( ) 2 ( ) 1.9 4.3

Pacific .................................................................. 0.1 0.7 2.1 1.4

1 Outpatient prescription drug benefits include both stand-alone drug plans and prescription drug benefits included as part of a medical

plan. 2 Less than 0.05. 3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers

with earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the

National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

Note: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at

www.bls.gov/ncs/ebs/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 35. Outpatient prescription drug benefits:1

 Copayment provisions, private industry workers, 2015

(All workers participating in selected outpatient prescription drug plans = 100 percent)

Characteristics

Generic drugs2 Brand-name drugs on formulary3

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Worker characteristics

All workers ............................................................... 80 19 1 $10 78 22 1 $30

Management, professional, and related .................. 79 20 1 10 75 25 5 ( ) 30

Management, business, and financial ................. 78 21 1 10 76 24 5 ( ) 30

Professional and related ...................................... 80 20 1 10 75 25 5 ( ) 30

Service ..................................................................... 83 16 1 10 82 18 1 30

Sales and office ....................................................... 83 16 2 10 80 18 1 35

Sales and related ................................................. 84 15 1 10 81 18 1 30

Office and administrative support ........................ 83 16 2 10 80 18 1 35

Natural resources, construction, and maintenance 83 16 1 10 83 16 1 30

Installation, maintenance, and repair ................... 82 16 1 10 82 17 1 35

Production, transportation, and material moving ..... 76 24 5 ( ) 10 73 27 5 ( ) 30

Production ............................................................ 80 19 1 10 76 23 1 30

Transportation and material moving .................... 71 29 – 10 69 31 5 ( ) 30

Full time ................................................................... 80 19 1 10 77 22 1 30

Part time .................................................................. 88 10 1 7 82 17 1 30

Union ....................................................................... 76 23 1 10 74 25 1 25

Nonunion ................................................................. 81 18 1 10 78 21 1 30

Average wage within the following categories6:

Second 25 percent ............................................... 83 16 1 10 82 18 1 35

Third 25 percent ................................................... 79 20 1 10 77 23 5 ( ) 30

Highest 25 percent ............................................... 78 21 1 10 74 25 1 30

Highest 10 percent ........................................... 79 21 1 10 75 24 5 ( ) 30

Establishment characteristics

Goods-producing industries ..................................... 80 20 5 ( ) 10 76 23 5 ( ) 30

Manufacturing ...................................................... 78 22 5 ( ) 10 73 26 5 ( ) 30

Service-providing industries ..................................... 80 18 1 10 78 21 1 30

Trade, transportation, and utilities ....................... 77 22 1 10 73 26 1 30

Retail trade ...................................................... 84 15 1 7 80 19 1 30

Transportation and warehousing ..................... 65 31 3 – 64 33 3 30

Information ........................................................... 71 29 – 10 69 31 – 30

Financial activities ................................................ 76 22 2 10 75 24 1 30

Finance and insurance .................................... 74 23 2 10 72 27 1 30

Credit intermediation and related activities .. 81 18 1 10 79 20 1 30

Insurance carriers and related activities ...... 66 31 3 10 63 35 2 30

Real estate and rental and leasing .................. 83 17 – 10 88 12 – 35

Professional and business services ..................... 81 19 – 10 76 24 – 35

Professional and technical services ................. 82 18 – 10 80 20 – 35

Education and health services ............................. 89 10 1 10 83 16 1 30

Educational services ........................................ 93 4 3 10 94 4 2 30

Junior colleges, colleges, and universities ... 89 8 3 10 90 7 3 30

Health care and social assistance ................... 88 11 1 10 81 18 1 30

Other services ...................................................... 82 – – 10 86 – – 30

See footnotes at end of table.
Table 35. Outpatient prescription drug benefits:1

 Copayment provisions, private

industry workers, 2015—continued

(All workers participating in selected outpatient prescription drug plans = 100 percent)

Characteristics

Brand-name drugs not on formulary4

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Worker characteristics

All workers ............................................................... 75 25 5 ( ) $55

Management, professional, and related .................. 72 28 5 ( ) 55

Management, business, and financial ................. 72 28 5 ( ) 50

Professional and related ...................................... 71 28 5 ( ) 55

Service ..................................................................... 78 21 1 50

Sales and office ....................................................... 78 21 1 60

Sales and related ................................................. 76 23 1 50

Office and administrative support ........................ 78 21 1 60

Natural resources, construction, and maintenance 81 19 5 ( ) 55

Installation, maintenance, and repair ................... 79 20 1 60

Production, transportation, and material moving ..... 70 30 5 ( ) 55

Production ............................................................ 73 26 5 ( ) 55

Transportation and material moving .................... 66 34 – 60

Full time ................................................................... 74 25 5 ( ) 55

Part time .................................................................. 80 19 1 –

Union ....................................................................... 73 27 1 50

Nonunion ................................................................. 75 25 5 ( ) 55

Average wage within the following categories6:

Second 25 percent ............................................... 79 21 5 ( ) 60

Third 25 percent ................................................... 77 23 5 ( ) 55

Highest 25 percent ............................................... 70 29 1 50

Highest 10 percent ........................................... 75 25 5 ( ) 50

Establishment characteristics

Goods-producing industries ..................................... 72 27 5 ( ) 50

Manufacturing ...................................................... 68 32 5 ( ) 50

Service-providing industries ..................................... 75 24 1 55

Trade, transportation, and utilities ....................... 70 30 1 50

Retail trade ...................................................... 74 25 1 50

Transportation and warehousing ..................... 55 43 1 50

Information ........................................................... 66 34 – 60

Financial activities ................................................ 76 23 1 60

Finance and insurance .................................... 74 25 1 55

Credit intermediation and related activities .. 81 18 5 ( ) 55

Insurance carriers and related activities ...... 66 32 2 60

Real estate and rental and leasing .................. 85 – – 60

Professional and business services ..................... 75 25 – 60

Professional and technical services ................. 79 21 – 60

Education and health services ............................. 76 23 1 –

Educational services ........................................ 90 8 1 50

Junior colleges, colleges, and universities ... 89 9 3 50

Health care and social assistance ................... 73 26 1 55

Other services ...................................................... 86 – – 50

See footnotes at end of table.
Table 35. Outpatient prescription drug benefits:1

 Copayment provisions, private industry workers, 2015—continued

(All workers participating in selected outpatient prescription drug plans = 100 percent)

Characteristics

Generic drugs2 Brand-name drugs on formulary3

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

1 to 99 workers:

50 to 99 workers ................................................ 79 19 2 $10 80 20 5 ( ) $35

100 workers or more ................................................ 80 19 1 10 76 24 1 30

100 to 499 workers .............................................. 83 17 5 ( ) 10 80 20 5 ( ) 30

500 workers or more ............................................ 76 22 1 10 70 29 1 30

Geographic areas

Northeast ................................................................. 77 21 2 10 79 20 1 30

New England ....................................................... 75 23 2 10 77 21 1 30

Middle Atlantic ..................................................... 77 21 2 10 80 19 1 30

South ....................................................................... 84 15 5 ( ) 10 82 17 5 ( ) 35

South Atlantic ....................................................... 85 14 1 10 82 17 1 35

West South Central .............................................. 82 18 5 ( ) 10 81 19 5 ( ) 35

Midwest .................................................................... 75 24 1 10 72 28 5 ( ) 30

East North Central ............................................... 78 21 1 10 75 25 5 ( ) 30

West North Central .............................................. 69 30 1 10 64 35 1 30

West ......................................................................... 82 17 1 10 75 24 1 30

Mountain .............................................................. 81 19 5 ( ) 10 71 29 5 ( ) 30

Pacific .................................................................. 83 16 1 10 77 22 1 30

See footnotes at end of table.
Table 35. Outpatient prescription drug benefits:1

 Copayment provisions, private

industry workers, 2015—continued

(All workers participating in selected outpatient prescription drug plans = 100 percent)

Characteristics

Brand-name drugs not on formulary4

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

1 to 99 workers:

50 to 99 workers ................................................ 76 24 5 ( ) $60

100 workers or more ................................................ 73 27 5 ( ) 50

100 to 499 workers .............................................. 76 24 5 ( ) 55

500 workers or more ............................................ 68 31 5 ( ) 50

Geographic areas

Northeast ................................................................. 78 21 1 50

New England ....................................................... 77 22 1 45

Middle Atlantic ..................................................... 79 20 1 –

South ....................................................................... 79 21 5 ( ) 60

South Atlantic ....................................................... 78 21 5 ( ) 60

West South Central .............................................. 76 23 5 ( ) 60

Midwest .................................................................... 70 30 5 ( ) 55

East North Central ............................................... 73 27 5 ( ) 60

West North Central .............................................. 63 37 5 ( ) 50

West ......................................................................... 71 29 5 ( ) 50

Mountain .............................................................. 68 32 5 ( ) 60

Pacific .................................................................. 72 28 5 ( ) 50

1 Outpatient prescription drug benefits include both stand-alone drug plans and prescription drug benefits included as part of a

medical plan. 2 All workers participating in an outpatient prescription drug plan with a generic drug provision equals 100 percent. 3 All workers participating in an outpatient prescription drug plan with a brand-name drug on formulary provision equals 100

percent. 4 All workers participating in an outpatient prescription drug plan with a brand-name drug not on formulary provision equals 100

percent. 5 Less than 0.5. 6 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include

workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using

data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 35. Standard errors for outpatient prescription drug benefits:1

 Copayment provisions, private industry workers, 2015

Characteristics

Generic drugs Brand-name drugs on formulary

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Worker characteristics

All workers ............................................................... 1.1 1.1 0.2 $0 1.3 1.3 0.2 $0

Management, professional, and related .................. 1.7 1.7 0.3 0 2.0 2.0 0.1 0

Management, business, and financial ................. 2.0 2.0 0.4 0 2.2 2.2 0.1 0

Professional and related ...................................... 2.3 2.4 0.2 0 2.9 2.9 0.1 2

Service ..................................................................... 2.4 2.4 0.4 0 2.2 2.1 0.4 2 ( )

Sales and office ....................................................... 1.7 1.5 0.5 0 1.6 1.5 0.5 5

Sales and related ................................................. 2.5 2.4 0.5 1 2.6 2.5 0.5 2

Office and administrative support ........................ 1.8 1.5 0.8 0 1.8 1.6 0.7 1

Natural resources, construction, and maintenance 2.2 2.2 0.4 0 1.8 1.9 0.4 5

Installation, maintenance, and repair ................... 3.4 3.3 0.7 0 2.3 2.2 0.7 0

Production, transportation, and material moving ..... 2.5 2.6 0.3 0 2.6 2.6 0.3 1

Production ............................................................ 2.9 2.8 0.5 0 2.8 2.8 0.5 1

Transportation and material moving .................... 4.1 4.1 – 2 ( ) 4.2 4.2 0.1 3

Full time ................................................................... 1.1 1.2 0.2 0 1.3 1.3 0.2 0

Part time .................................................................. 2.0 1.9 0.6 2 1.8 1.8 0.6 1

Union ....................................................................... 2.4 2.4 0.3 1 2.9 3.0 0.3 4

Nonunion ................................................................. 1.2 1.2 0.2 0 1.4 1.4 0.2 0

Average wage within the following categories3:

Second 25 percent ............................................... 1.7 1.6 0.5 0 2.0 1.9 0.5 2

Third 25 percent ................................................... 1.6 1.6 0.2 0 1.6 1.6 0.2 0

Highest 25 percent ............................................... 1.8 1.9 0.4 0 2.0 2.0 0.2 0

Highest 10 percent ........................................... 2.3 2.3 0.2 0 2.5 2.5 0.2 0

Establishment characteristics

Goods-producing industries ..................................... 1.9 2.0 0.2 0 2.1 2.1 0.2 6

Manufacturing ...................................................... 2.4 2.5 0.2 0 2.6 2.7 0.2 6

Service-providing industries ..................................... 1.2 1.2 0.3 0 1.4 1.4 0.2 0

Trade, transportation, and utilities ....................... 2.6 2.7 0.5 0 2.7 2.7 0.5 3

Retail trade ...................................................... 2.5 2.5 0.4 1 2.2 2.2 0.5 6

Transportation and warehousing ..................... 5.9 6.1 1.9 – 6.7 6.9 1.9 1

Information ........................................................... 4.9 4.9 – 0 4.2 4.2 – 6

Financial activities ................................................ 2.2 2.1 0.7 0 2.3 2.2 0.5 0

Finance and insurance .................................... 2.5 2.3 0.8 0 2.5 2.5 0.6 0

Credit intermediation and related activities .. 2.7 2.6 0.5 0 2.8 2.8 0.5 0

Insurance carriers and related activities ...... 5.0 4.4 1.7 0 5.0 4.8 1.2 7

Real estate and rental and leasing .................. 3.8 3.8 – 0 3.3 3.3 – 4

Professional and business services ..................... 2.5 2.5 – 0 3.1 3.1 – 0

Professional and technical services ................. 4.0 4.0 – 0 4.4 4.4 – 7

Education and health services ............................. 2.2 2.1 0.5 0 2.7 2.6 0.5 0

Educational services ........................................ 1.6 1.0 1.3 0 1.2 0.9 1.0 0

Junior colleges, colleges, and universities ... 2.0 1.5 1.9 0 1.9 1.4 1.9 0

Health care and social assistance ................... 2.6 2.5 0.6 0 3.2 3.1 0.6 0

Other services ...................................................... 6.2 – – 0 4.5 – – 6

See footnotes at end of table.
Table 35. Standard errors for outpatient prescription drug benefits:1

 Copayment

provisions, private industry workers, 2015—continued

Characteristics

Brand-name drugs not on formulary

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Worker characteristics

All workers ............................................................... 1.4 1.4 0.1 $1

Management, professional, and related .................. 2.3 2.3 0.1 3

Management, business, and financial ................. 2.7 2.7 0.1 6

Professional and related ...................................... 3.0 3.0 0.1 2

Service ..................................................................... 2.7 2.6 0.5 2

Sales and office ....................................................... 1.8 1.7 0.4 0

Sales and related ................................................. 3.2 3.2 0.4 2

Office and administrative support ........................ 1.8 1.8 0.5 0

Natural resources, construction, and maintenance 2.2 2.2 0.2 2

Installation, maintenance, and repair ................... 2.6 2.6 0.4 2

Production, transportation, and material moving ..... 2.9 3.0 0.2 7

Production ............................................................ 2.8 2.8 0.3 8

Transportation and material moving .................... 5.6 5.6 – 3

Full time ................................................................... 1.5 1.5 0.1 1

Part time .................................................................. 2.9 2.9 0.8 –

Union ....................................................................... 3.4 3.5 0.4 8

Nonunion ................................................................. 1.5 1.5 0.1 3

Average wage within the following categories3:

Second 25 percent ............................................... 2.1 2.1 0.2 2

Third 25 percent ................................................... 1.8 1.8 0.2 5

Highest 25 percent ............................................... 2.4 2.4 0.2 0

Highest 10 percent ........................................... 3.1 3.0 0.2 0

Establishment characteristics

Goods-producing industries ..................................... 2.4 2.4 0.1 4

Manufacturing ...................................................... 3.2 3.2 0.1 3

Service-providing industries ..................................... 1.7 1.7 0.2 5

Trade, transportation, and utilities ....................... 3.1 3.2 0.2 2

Retail trade ...................................................... 3.3 3.3 0.3 3

Transportation and warehousing ..................... 8.5 9.0 1.0 12

Information ........................................................... 4.6 4.6 – 1

Financial activities ................................................ 2.6 2.5 0.5 0

Finance and insurance .................................... 2.7 2.7 0.6 9

Credit intermediation and related activities .. 2.9 2.9 0.3 9

Insurance carriers and related activities ...... 5.2 5.0 1.3 10

Real estate and rental and leasing .................. 4.4 – – 0

Professional and business services ..................... 3.4 3.4 – 0

Professional and technical services ................. 5.3 5.3 – 7

Education and health services ............................. 3.3 3.2 0.6 –

Educational services ........................................ 2.6 2.3 1.0 0

Junior colleges, colleges, and universities ... 2.5 2.0 1.7 0

Health care and social assistance ................... 3.9 3.8 0.7 5

Other services ...................................................... 5.0 – – 14

See footnotes at end of table.
Table 35. Standard errors for outpatient prescription drug benefits:1

 Copayment provisions, private industry workers,

2015—continued

Characteristics

Generic drugs Brand-name drugs on formulary

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

1 to 99 workers:

50 to 99 workers ................................................ 2.6 2.7 1.0 $0 2.7 2.7 0.2 $6

100 workers or more ................................................ 1.3 1.3 0.2 0 1.5 1.5 0.2 0

100 to 499 workers .............................................. 1.5 1.5 0.1 0 1.7 1.7 0.1 5

500 workers or more ............................................ 2.3 2.2 0.5 0 2.8 2.7 0.5 4

Geographic areas

Northeast ................................................................. 2.3 2.6 0.9 0 1.9 1.8 0.5 0

New England ....................................................... 3.3 3.0 1.3 0 3.2 2.9 0.9 3

Middle Atlantic ..................................................... 2.8 3.3 1.1 0 2.6 2.5 0.6 0

South ....................................................................... 1.6 1.6 0.2 0 2.0 2.1 0.2 0

South Atlantic ....................................................... 2.2 2.4 0.3 0 3.2 3.4 0.3 3

West South Central .............................................. 2.8 2.8 0.2 0 3.5 3.3 0.2 0

Midwest .................................................................... 2.2 2.3 0.3 0 2.7 2.8 0.2 6

East North Central ............................................... 1.9 2.0 0.3 0 2.8 3.0 0.2 7

West North Central .............................................. 5.0 5.4 0.5 0 5.2 5.5 0.5 5

West ......................................................................... 2.7 2.6 0.4 0 3.1 3.0 0.4 0

Mountain .............................................................. 4.1 4.0 0.1 0 5.4 5.4 0.1 0

Pacific .................................................................. 3.4 3.3 0.6 0 3.8 3.7 0.6 0

See footnotes at end of table.
Table 35. Standard errors for outpatient prescription drug benefits:1

 Copayment

provisions, private industry workers, 2015—continued

Characteristics

Brand-name drugs not on formulary

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

1 to 99 workers:

50 to 99 workers ................................................ 3.2 3.2 4 ( ) $4

100 workers or more ................................................ 1.8 1.8 0.1 6

100 to 499 workers .............................................. 2.1 2.1 0.1 5

500 workers or more ............................................ 3.0 3.0 0.2 0

Geographic areas

Northeast ................................................................. 2.8 2.8 0.6 0

New England ....................................................... 3.8 3.4 1.0 8

Middle Atlantic ..................................................... 3.7 3.6 0.7 –

South ....................................................................... 2.2 2.3 0.1 0

South Atlantic ....................................................... 3.5 3.6 0.3 1

West South Central .............................................. 3.9 3.8 0.2 0

Midwest .................................................................... 3.0 3.0 0.1 5

East North Central ............................................... 3.0 3.0 0.1 7

West North Central .............................................. 6.7 6.7 0.2 7

West ......................................................................... 3.5 3.5 0.1 0

Mountain .............................................................. 5.8 5.8 0.1 6

Pacific .................................................................. 4.4 4.5 0.1 0

1 Outpatient prescription drug benefits include both stand-alone drug plans and prescription drug benefits included as part of a

medical plan. 2 Less than 0.5. 3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include

workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using

data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015." 4 Less than 0.05.

Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key

provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 36. Dental care benefits: Coverage for selected services, private industry workers, 2015

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

Characteristics Preventive

services1

Basic

services2

Major

services3

Orthodontia

Total

Employee

and

dependent

Dependent

only

Worker characteristics

All workers ............................................................... 100 100 96 77 47 30

Management, professional, and related .................. 100 100 97 77 47 30

Management, business, and financial ................. 100 100 97 76 45 31

Professional and related ...................................... 100 100 96 78 48 30

Service ..................................................................... 100 100 99 79 42 37

Sales and office ....................................................... 100 100 94 74 49 25

Sales and related ................................................. 100 100 96 74 59 15

Office and administrative support ........................ 100 100 93 74 45 29

Natural resources, construction, and maintenance 100 100 96 78 40 38

Installation, maintenance, and repair ................... 100 100 94 70 36 34

Production, transportation, and material moving ..... 100 100 98 79 49 30

Production ............................................................ 100 100 97 74 39 35

Transportation and material moving .................... 100 100 98 86 62 23

Full time ................................................................... 100 100 96 77 46 31

Part time .................................................................. 100 100 98 78 56 22

Union ....................................................................... 100 100 98 85 56 29

Nonunion ................................................................. 100 100 96 75 45 30

Average wage within the following categories4:

Second 25 percent ............................................... 100 100 96 82 50 32

Third 25 percent ................................................... 100 100 96 76 44 32

Highest 25 percent ............................................... 100 100 97 78 49 29

Highest 10 percent ........................................... 100 100 96 79 52 27

Establishment characteristics

Goods-producing industries ..................................... 100 100 98 76 48 29

Manufacturing ...................................................... 100 100 97 75 49 26

Service-providing industries ..................................... 100 100 96 77 47 30

Trade, transportation, and utilities ....................... 100 100 97 79 59 20

Wholesale trade ............................................... 100 100 95 63 – –

Retail trade ...................................................... 100 100 97 77 67 10

Transportation and warehousing ..................... 100 100 100 94 64 30

Utilities ............................................................. 100 100 100 93 34 59

Information ........................................................... 100 100 98 79 – –

Financial activities ................................................ 100 100 92 84 48 36

Finance and insurance .................................... 100 100 93 86 50 36

Credit intermediation and related activities .. 100 100 95 89 45 44

Insurance carriers and related activities ...... 100 100 91 81 54 27

Professional and business services:

Professional and technical services ............... 100 100 92 69 30 39

Education and health services ............................. 100 100 98 81 42 39

Educational services ........................................ 100 100 98 82 – –

Junior colleges, colleges, and universities ... 100 100 97 75 45 29

Health care and social assistance ................... 100 100 98 81 41 40

Leisure and hospitality ......................................... 100 100 100 87 50 38

See footnotes at end of table.
Table 36. Dental care benefits: Coverage for selected services, private industry workers,

2015—continued

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

Characteristics Preventive

services1

Basic

services2

Major

services3

Orthodontia

Total

Employee

and

dependent

Dependent

only

1 to 99 workers ........................................................ 100 100 97 71 40 32

50 to 99 workers .................................................. 100 100 98 76 45 31

100 workers or more ................................................ 100 100 96 80 51 29

100 to 499 workers .............................................. 100 100 96 76 47 30

500 workers or more ............................................ 100 100 95 84 56 28

Geographic areas

Northeast ................................................................. 100 100 96 80 42 38

New England ....................................................... 100 100 93 74 43 30

Middle Atlantic ..................................................... 100 100 97 83 41 41

South ....................................................................... 100 100 95 77 46 31

South Atlantic ....................................................... 100 100 95 74 45 29

East South Central ............................................... 100 100 98 88 57 31

West South Central .............................................. 100 100 93 77 44 33

Midwest .................................................................... 100 100 95 77 46 32

East North Central ............................................... 100 100 97 80 44 35

West North Central .............................................. 100 100 92 74 48 26

West ......................................................................... 100 100 98 74 52 22

Mountain .............................................................. 100 100 98 63 46 16

1 Preventive services include routine exams, cleanings, and x-rays, and other preventive care. 2 Basic services include fillings, dental surgery, periodontal care (treatment for gum disease), and endodontics (root canal therapy). 3 Major services include procedures such as crowns and prosthetics (replacement of missing teeth with bridgework or dentures). 4 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above

and below the threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer

Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 36. Standard errors for dental care benefits: Coverage for selected services, private industry

workers, 2015

Characteristics Preventive

services1

Basic

services2

Major

services3

Orthodontia

Total

Employee

and

dependent

Dependent

only

Worker characteristics

All workers ............................................................... 4 ( ) 4 ( ) 0.5 1.7 1.9 1.9

Management, professional, and related .................. 4 ( ) 4 ( ) 0.8 2.5 2.5 2.7

Management, business, and financial ................. 4 ( ) 4 ( ) 0.7 3.7 3.2 3.2

Professional and related ...................................... 4 ( ) 4 ( ) 1.1 3.1 3.7 3.3

Service ..................................................................... 4 ( ) 4 ( ) 0.5 4.2 4.7 4.3

Sales and office ....................................................... 4 ( ) 4 ( ) 1.1 2.8 2.7 2.8

Sales and related ................................................. 4 ( ) 4 ( ) 1.1 3.9 4.9 4.1

Office and administrative support ........................ 4 ( ) 4 ( ) 1.5 3.5 2.9 3.1

Natural resources, construction, and maintenance 4 ( ) 4 ( ) 1.3 3.2 4.3 4.1

Installation, maintenance, and repair ................... 4 ( ) 4 ( ) 2.1 4.5 5.0 5.6

Production, transportation, and material moving ..... 4 ( ) 0.1 0.7 2.6 3.5 2.8

Production ............................................................ 4 ( ) 0.1 0.9 3.6 4.2 3.7

Transportation and material moving .................... 4 ( ) 4 ( ) 1.0 3.4 5.4 4.6

Full time ................................................................... 4 ( ) 4 ( ) 0.6 1.8 1.9 1.9

Part time .................................................................. 4 ( ) 4 ( ) 1.0 4.5 7.9 4.7

Union ....................................................................... 4 ( ) 0.1 0.5 2.5 3.9 3.9

Nonunion ................................................................. 4 ( ) 4 ( ) 0.6 1.9 2.0 2.1

Average wage within the following categories5:

Second 25 percent ............................................... 4 ( ) 4 ( ) 0.9 2.8 3.5 3.6

Third 25 percent ................................................... 4 ( ) 4 ( ) 0.9 2.0 2.2 2.4

Highest 25 percent ............................................... 4 ( ) 4 ( ) 0.6 2.2 2.4 2.3

Highest 10 percent ........................................... 4 ( ) 4 ( ) 1.1 2.5 3.5 3.5

Establishment characteristics

Goods-producing industries ..................................... 4 ( ) 4 ( ) 0.8 2.2 3.2 2.5

Manufacturing ...................................................... 4 ( ) 4 ( ) 1.0 2.6 3.4 2.8

Service-providing industries ..................................... 4 ( ) 4 ( ) 0.7 2.1 2.3 2.3

Trade, transportation, and utilities ....................... 4 ( ) 0.1 0.7 2.2 3.3 3.6

Wholesale trade ............................................... 4 ( ) 0.3 2.7 4.6 – –

Retail trade ...................................................... 4 ( ) 4 ( ) 1.2 2.5 3.1 2.1

Transportation and warehousing ..................... 4 ( ) 4 ( ) 4 ( ) 2.2 9.5 8.9

Utilities ............................................................. 4 ( ) 4 ( ) 4 ( ) 2.8 7.2 7.3

Information ........................................................... 4 ( ) 4 ( ) 1.1 4.6 – –

Financial activities ................................................ 4 ( ) 4 ( ) 1.3 1.9 2.2 2.3

Finance and insurance .................................... 4 ( ) 4 ( ) 0.9 2.1 1.9 2.6

Credit intermediation and related activities .. 4 ( ) 4 ( ) 1.5 2.9 3.0 4.1

Insurance carriers and related activities ...... 4 ( ) 4 ( ) 1.3 4.0 3.0 3.5

Professional and business services:

Professional and technical services ............... 4 ( ) 4 ( ) 2.2 6.8 7.9 9.0

Education and health services ............................. 4 ( ) 4 ( ) 1.3 6.1 5.9 4.5

Educational services ........................................ 4 ( ) 4 ( ) 0.7 5.2 – –

Junior colleges, colleges, and universities ... 4 ( ) 4 ( ) 1.3 4.3 3.9 3.9

Health care and social assistance ................... 4 ( ) 4 ( ) 1.6 7.2 6.7 5.0

Leisure and hospitality ......................................... 4 ( ) 4 ( ) 4 ( ) 3.8 6.6 8.5

See footnotes at end of table.
Table 36. Standard errors for dental care benefits: Coverage for selected services, private industry

workers, 2015—continued

Characteristics Preventive

services1

Basic

services2

Major

services3

Orthodontia

Total

Employee

and

dependent

Dependent

only

1 to 99 workers ........................................................ 4 ( ) 4 ( ) 0.6 2.9 3.4 3.3

50 to 99 workers .................................................. 4 ( ) 4 ( ) 0.6 6.7 5.9 6.4

100 workers or more ................................................ 4 ( ) 4 ( ) 0.8 1.8 2.2 2.1

100 to 499 workers .............................................. 4 ( ) 4 ( ) 1.0 2.6 3.3 3.2

500 workers or more ............................................ 4 ( ) 4 ( ) 1.2 2.0 2.5 2.7

Geographic areas

Northeast ................................................................. 4 ( ) 4 ( ) 0.8 2.1 4.4 5.6

New England ....................................................... 4 ( ) 4 ( ) 2.7 5.7 5.0 6.5

Middle Atlantic ..................................................... 4 ( ) 4 ( ) 0.6 2.1 5.3 6.7

South ....................................................................... 4 ( ) 4 ( ) 1.3 2.5 3.2 3.7

South Atlantic ....................................................... 4 ( ) 4 ( ) 1.4 2.7 4.1 4.8

East South Central ............................................... 4 ( ) 4 ( ) 1.3 6.5 13.6 7.7

West South Central .............................................. 4 ( ) 4 ( ) 3.0 5.9 3.6 7.8

Midwest .................................................................... 4 ( ) 0.1 1.4 4.3 3.3 3.1

East North Central ............................................... 4 ( ) 4 ( ) 1.9 6.4 4.6 4.5

West North Central .............................................. 4 ( ) 0.2 1.2 4.2 4.5 2.8

West ......................................................................... 4 ( ) 4 ( ) 0.4 3.9 4.5 2.9

Mountain .............................................................. 4 ( ) 4 ( ) 0.7 7.9 6.3 4.4

1 Preventive services include routine exams, cleanings, and x-rays, and other preventive care. 2 Basic services include fillings, dental surgery, periodontal care (treatment for gum disease), and endodontics (root canal therapy). 3 Major services include procedures such as crowns and prosthetics (replacement of missing teeth with bridgework or dentures). 4 Less than 0.05. 5 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above

and below the threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer

Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 37. Dental care benefits: Extent of coverage for selected services, private industry workers, 2015

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

Characteristics

Preventive services1 Basic services3

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Worker characteristics

All workers ............................................................... 12 88 – – 2 98 – 5 ( )

Management, professional, and related .................. 14 86 – – – 98 – 5 ( )

Management, business, and financial ................. 12 88 – – – 97 – 5 ( )

Professional and related ...................................... 15 85 – – – 99 – 5 ( )

Service ..................................................................... – 90 – – – 99 – –

Sales and office ....................................................... 14 86 – – – 99 – –

Sales and related ................................................. 15 85 – – – 98 – –

Office and administrative support ........................ 14 86 – – – 99 – –

Natural resources, construction, and maintenance 9 91 – – – 97 – –

Installation, maintenance, and repair ................... – 93 – – – 97 – –

Production, transportation, and material moving ..... 6 94 – – – 98 – 5 ( )

Production ............................................................ 7 93 – – 1 98 – 5 ( )

Transportation and material moving .................... – – – – – 98 – –

Full time ................................................................... 12 88 – – 2 98 – 5 ( )

Part time .................................................................. – 89 – – – 96 – –

Union ....................................................................... 9 91 – – 5 95 – 5 ( )

Nonunion ................................................................. 12 88 – – – 99 – 5 ( )

Average wage within the following categories6:

Second 25 percent ............................................... 8 92 – – – 99 – –

Third 25 percent ................................................... 14 86 – – 3 97 – 5 ( )

Highest 25 percent ............................................... 12 88 – – – 98 – 5 ( )

Highest 10 percent ........................................... 15 85 – – – 98 – 5 ( )

Establishment characteristics

Goods-producing industries ..................................... 6 94 – – 1 99 – –

Manufacturing ...................................................... 5 95 – – 1 99 – –

Service-providing industries ..................................... 13 87 – – – 98 – 5 ( )

Trade, transportation, and utilities ....................... 9 91 – – – 99 – 5 ( )

Wholesale trade ............................................... 12 88 – – – 97 – 5 ( )

Retail trade ...................................................... – 88 – – – 100 – –

Transportation and warehousing ..................... – – – – – 98 – –

Utilities ............................................................. – 96 – – – 100 – –

Information ........................................................... – 97 – – – 100 – –

Financial activities ................................................ 23 77 – – 2 98 – –

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

Credit intermediation and related activities .. 31 69 – – – 97 – –

Insurance carriers and related activities ...... 13 87 – – – 100 – –

Professional and business services:

Professional and technical services ............... – 77 – – – 100 – –

Education and health services ............................. – 90 – – – 99 – –

Educational services ........................................ – 96 – – – 100 – –

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

Health care and social assistance ................... – 89 – – – 99 – –

Leisure and hospitality ......................................... – 97 – – – 97 – –

See footnotes at end of table.
Table 37. Dental care benefits: Extent of coverage for selected services,

private industry workers, 2015—continued

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

Characteristics

Major services4

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Worker characteristics

All workers ............................................................... – 96 3 –

Management, professional, and related .................. – 96 3 –

Management, business, and financial ................. – 97 3 –

Professional and related ...................................... – 96 – 5 ( )

Service ..................................................................... – 98 – –

Sales and office ....................................................... – 93 6 –

Sales and related ................................................. – 95 – 1

Office and administrative support ........................ – 93 7 –

Natural resources, construction, and maintenance – 96 – –

Installation, maintenance, and repair ................... – 94 – –

Production, transportation, and material moving ..... – 97 – 1

Production ............................................................ – 97 – 5 ( )

Transportation and material moving .................... – 98 – 1

Full time ................................................................... – 96 4 –

Part time .................................................................. – 97 – 5 ( )

Union ....................................................................... – 98 – 5 ( )

Nonunion ................................................................. – 96 4 –

Average wage within the following categories6:

Second 25 percent ............................................... – 96 4 –

Third 25 percent ................................................... – 96 4 –

Highest 25 percent ............................................... – 97 2 –

Highest 10 percent ........................................... – 96 – 5 ( )

Establishment characteristics

Goods-producing industries ..................................... – 97 – –

Manufacturing ...................................................... – 97 – –

Service-providing industries ..................................... – 96 4 –

Trade, transportation, and utilities ....................... – 97 – 1

Wholesale trade ............................................... – 95 – 3

Retail trade ...................................................... – 97 – 5 ( )

Transportation and warehousing ..................... – 100 – –

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

Information ........................................................... – 98 – –

Financial activities ................................................ – 92 6 –

Finance and insurance .................................... – 93 5 –

Credit intermediation and related activities .. – 94 – 3

Insurance carriers and related activities ...... – 91 8 1

Professional and business services:

Professional and technical services ............... – 92 – –

Education and health services ............................. – 98 – –

Educational services ........................................ – 98 – –

Junior colleges, colleges, and universities ... – 97 – –

Health care and social assistance ................... – 97 – –

Leisure and hospitality ......................................... – 99 – –

See footnotes at end of table.
Table 37. Dental care benefits: Extent of coverage for selected services, private industry workers, 2015—continued

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

Characteristics

Preventive services1 Basic services3

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

1 to 99 workers ........................................................ 14 86 – – – 98 – –

50 to 99 workers .................................................. – 87 – – – 99 – –

100 workers or more ................................................ 11 89 – – 2 98 – 5 ( )

100 to 499 workers .............................................. 10 90 – – – 98 – 5 ( )

500 workers or more ............................................ 11 89 – – – 98 – –

Geographic areas

Northeast ................................................................. 22 78 – – – 96 – –

New England ....................................................... – 89 – – – 98 – –

Middle Atlantic ..................................................... 25 75 – – – 95 – –

South ....................................................................... 9 91 – – – 100 – –

South Atlantic ....................................................... 11 89 – – – 99 – –

East South Central ............................................... – 95 – – – 100 – –

West South Central .............................................. – 94 – – – 100 – –

Midwest .................................................................... 9 91 – – – 98 – 5 ( )

East North Central ............................................... 10 90 – – – 97 – –

West North Central .............................................. – 95 – – – 99 – 5 ( )

West ......................................................................... 11 89 – – – 99 – –

Mountain .............................................................. – 87 – – – 100 – –

See footnotes at end of table.
Table 37. Dental care benefits: Extent of coverage for selected services,

private industry workers, 2015—continued

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

Characteristics

Major services4

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

1 to 99 workers ........................................................ – 97 3 –

50 to 99 workers .................................................. – 98 – –

100 workers or more ................................................ – 96 4 –

100 to 499 workers .............................................. – 96 4 –

500 workers or more ............................................ – 95 4 –

Geographic areas

Northeast ................................................................. – 96 3 –

New England ....................................................... – 93 – 3

Middle Atlantic ..................................................... – 97 2 –

South ....................................................................... – 95 5 –

South Atlantic ....................................................... – 95 5 5 ( )

East South Central ............................................... – 98 – 5 ( )

West South Central .............................................. – 93 – 1

Midwest .................................................................... – 95 – 5 ( )

East North Central ............................................... – 97 – –

West North Central .............................................. – 92 8 –

West ......................................................................... – 98 1 –

Mountain .............................................................. – 98 – 5 ( )

1 Preventive services include routine exams, cleanings, and x-rays, and other preventive care. 2 Coverage for dental procedures may be subject to scheduled allowance, deductible, or coinsurance provisions, in

addition to maximum dollar limitations. 3 Basic services include fillings, dental surgery, periodontal care (treatment for gum disease), and endodontics (root canal

therapy). 4 Major services include procedures such as crowns and prosthetics (replacement of missing teeth with bridgework or

dentures). 5 Less than 0.5. 6 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may

include workers with earnings both above and below the threshold. The categories were formed using percentile estimates

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

March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 37. Standard errors for dental care benefits: Extent of coverage for selected services, private industry workers,

2015

Characteristics

Preventive services1 Basic services3

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Worker characteristics

All workers ............................................................... 1.5 1.5 – – 0.5 0.5 – 5 ( )

Management, professional, and related .................. 2.3 2.3 – – – 0.7 – 5 ( )

Management, business, and financial ................. 2.5 2.5 – – – 1.4 – 5 ( )

Professional and related ...................................... 2.8 2.8 – – – 0.6 – 5 ( )

Service ..................................................................... – 4.5 – – – 1.0 – –

Sales and office ....................................................... 1.8 1.8 – – – 0.5 – –

Sales and related ................................................. 3.3 3.3 – – – 0.7 – –

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

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

Installation, maintenance, and repair ................... – 2.1 – – – 1.2 – –

Production, transportation, and material moving ..... 1.3 1.3 – – – 0.6 – 0.1

Production ............................................................ 1.8 1.8 – – 0.4 0.4 – 0.1

Transportation and material moving .................... – – – – – 1.3 – –

Full time ................................................................... 1.4 1.4 – – 0.5 0.5 – 5 ( )

Part time .................................................................. – 3.7 – – – 2.5 – –

Union ....................................................................... 1.7 1.7 – – 1.3 1.3 – 0.1

Nonunion ................................................................. 1.6 1.6 – – – 0.5 – 5 ( )

Average wage within the following categories6:

Second 25 percent ............................................... 1.2 1.2 – – – 0.7 – –

Third 25 percent ................................................... 1.7 1.7 – – 0.8 0.8 – 5 ( )

Highest 25 percent ............................................... 2.0 2.0 – – – 0.6 – 5 ( )

Highest 10 percent ........................................... 3.5 3.5 – – – 0.7 – 5 ( )

Establishment characteristics

Goods-producing industries ..................................... 1.0 1.0 – – 0.3 0.3 – –

Manufacturing ...................................................... 1.3 1.3 – – 0.4 0.4 – –

Service-providing industries ..................................... 1.8 1.8 – – – 0.6 – 5 ( )

Trade, transportation, and utilities ....................... 2.2 2.2 – – – 0.8 – 0.1

Wholesale trade ............................................... 3.3 3.3 – – – 2.0 – 0.3

Retail trade ...................................................... – 3.8 – – – 5 () – –

Transportation and warehousing ..................... – – – – – 1.7 – –

Utilities ............................................................. – 3.8 – – – 5 () – –

Information ........................................................... – 1.0 – – – 0.4 – –

Financial activities ................................................ 3.0 3.0 – – 0.5 0.5 – –

Finance and insurance .................................... 3.0 3.0 – – – 0.6 – –

Credit intermediation and related activities .. 4.2 4.2 – – – 1.1 – –

Insurance carriers and related activities ...... 2.5 2.5 – – – 0.3 – –

Professional and business services:

Professional and technical services ............... – 7.4 – – – 0.5 – –

Education and health services ............................. – 3.1 – – – 0.5 – –

Educational services ........................................ – 1.2 – – – 5 () – –

Junior colleges, colleges, and universities ... 1.8 1.8 – – – 5 () – –

Health care and social assistance ................... – 3.7 – – – 0.5 – –

Leisure and hospitality ......................................... – 1.8 – – – 1.7 – –

See footnotes at end of table.
Table 37. Standard errors for dental care benefits: Extent of coverage for

selected services, private industry workers, 2015—continued

Characteristics

Major services4

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Worker characteristics

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

Management, professional, and related .................. – 0.8 0.8 –

Management, business, and financial ................. – 0.7 0.6 –

Professional and related ...................................... – 1.1 – 5 ( )

Service ..................................................................... – 0.5 – –

Sales and office ....................................................... – 1.1 1.1 –

Sales and related ................................................. – 1.1 – 0.7

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

Natural resources, construction, and maintenance – 1.3 – –

Installation, maintenance, and repair ................... – 2.1 – –

Production, transportation, and material moving ..... – 0.7 – 0.4

Production ............................................................ – 0.9 – 0.1

Transportation and material moving .................... – 1.0 – 0.9

Full time ................................................................... – 0.6 0.5 –

Part time .................................................................. – 1.0 – 0.1

Union ....................................................................... – 0.5 – 0.1

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

Average wage within the following categories6:

Second 25 percent ............................................... – 1.0 0.9 –

Third 25 percent ................................................... – 0.9 0.9 –

Highest 25 percent ............................................... – 0.6 0.5 –

Highest 10 percent ........................................... – 1.1 – 0.2

Establishment characteristics

Goods-producing industries ..................................... – 0.8 – –

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

Service-providing industries ..................................... – 0.7 0.7 –

Trade, transportation, and utilities ....................... – 0.7 – 0.6

Wholesale trade ............................................... – 2.7 – 2.2

Retail trade ...................................................... – 1.2 – 0.2

Transportation and warehousing ..................... – 5 () – –

Utilities ............................................................. – 5 () – –

Information ........................................................... – 1.3 – –

Financial activities ................................................ – 1.3 1.0 –

Finance and insurance .................................... – 1.0 0.7 –

Credit intermediation and related activities .. – 1.5 – 1.2

Insurance carriers and related activities ...... – 1.3 1.3 0.5

Professional and business services:

Professional and technical services ............... – 2.2 – –

Education and health services ............................. – 1.3 – –

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

Junior colleges, colleges, and universities ... – 1.3 – –

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

Leisure and hospitality ......................................... – 0.8 – –

See footnotes at end of table.
Table 37. Standard errors for dental care benefits: Extent of coverage for selected services, private industry workers,

2015—continued

Characteristics

Preventive services1 Basic services3

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

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

50 to 99 workers .................................................. – 4.1 – – – 0.6 – –

100 workers or more ................................................ 1.5 1.5 – – 0.5 0.5 – 5 ( )

100 to 499 workers .............................................. 2.4 2.4 – – – 0.7 – 5 ( )

500 workers or more ............................................ 1.8 1.8 – – – 0.7 – –

Geographic areas

Northeast ................................................................. 4.9 4.9 – – – 2.1 – –

New England ....................................................... – 4.6 – – – 1.9 – –

Middle Atlantic ..................................................... 6.5 6.5 – – – 2.8 – –

South ....................................................................... 1.8 1.8 – – – 0.3 – –

South Atlantic ....................................................... 2.9 2.9 – – – 0.5 – –

East South Central ............................................... – 1.2 – – – 5 () – –

West South Central .............................................. – 3.0 – – – 5 () – –

Midwest .................................................................... 1.9 1.9 – – – 0.8 – 0.1

East North Central ............................................... 2.7 2.7 – – – 1.0 – –

West North Central .............................................. – 2.4 – – – 1.2 – 0.2

West ......................................................................... 3.1 3.1 – – – 0.7 – –

Mountain .............................................................. – 6.7 – – – 0.2 – –

See footnotes at end of table.
Table 37. Standard errors for dental care benefits: Extent of coverage for

selected services, private industry workers, 2015—continued

Characteristics

Major services4

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

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

50 to 99 workers .................................................. – 0.6 – –

100 workers or more ................................................ – 0.8 0.8 –

100 to 499 workers .............................................. – 1.0 1.0 –

500 workers or more ............................................ – 1.2 1.2 –

Geographic areas

Northeast ................................................................. – 0.8 0.6 –

New England ....................................................... – 2.7 – 2.4

Middle Atlantic ..................................................... – 0.7 0.5 –

South ....................................................................... – 1.3 1.3 –

South Atlantic ....................................................... – 1.4 1.4 0.2

East South Central ............................................... – 1.3 – 5 ( )

West South Central .............................................. – 3.0 – 0.5

Midwest .................................................................... – 1.4 – 0.1

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

West North Central .............................................. – 1.2 1.2 –

West ......................................................................... – 0.4 0.3 –

Mountain .............................................................. – 0.7 – 0.2

1 Preventive services include routine exams, cleanings, and x-rays, and other preventive care. 2 Coverage for dental procedures may be subject to scheduled allowance, deductible, or coinsurance provisions, in

addition to maximum dollar limitations. 3 Basic services include fillings, dental surgery, periodontal care (treatment for gum disease), and endodontics (root canal

therapy). 4 Major services include procedures such as crowns and prosthetics (replacement of missing teeth with bridgework or

dentures). 5 Less than 0.05. 6 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may

include workers with earnings both above and below the threshold. The categories were formed using percentile estimates

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

March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 38. Dental care benefits: Coverage for orthodontia, private industry workers,

2015

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

Characteristics

Employee and dependent

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Median

percent of

covered

charges2

Worker characteristics

All workers ............................................................... – 47 52 – 50

Management, professional, and related .................. – 47 53 1 50

Management, business, and financial ................. – 45 54 3 ( ) 50

Professional and related ...................................... – 48 51 1 50

Service ..................................................................... – 42 57 – 50

Sales and office ....................................................... – 49 49 – 50

Sales and related ................................................. – 59 39 3 50

Office and administrative support ........................ – 45 54 – 50

Natural resources, construction, and maintenance – 40 60 3 ( ) 50

Installation, maintenance, and repair ................... – 36 63 3 ( ) 50

Production, transportation, and material moving ..... – 49 50 1 50

Production ............................................................ – 39 60 3 ( ) 50

Transportation and material moving .................... – 62 36 1 50

Full time ................................................................... – 46 53 – 50

Part time .................................................................. – 56 44 – 50

Union ....................................................................... – 56 44 3 ( ) 50

Nonunion ................................................................. – 45 54 – 50

Average wage within the following categories4:

Second 25 percent ............................................... – 50 49 – 50

Third 25 percent ................................................... – 44 55 1 50

Highest 25 percent ............................................... – 49 51 3 ( ) 50

Highest 10 percent ........................................... – 52 48 3 ( ) 50

Establishment characteristics

Goods-producing industries ..................................... – 48 52 – 50

Manufacturing ...................................................... – 49 51 – 50

Service-providing industries ..................................... – 47 52 – 50

Trade, transportation, and utilities ....................... – 59 41 3 ( ) 50

Wholesale trade ............................................... – 48 50 1 50

Retail trade ...................................................... – 67 33 – –

Transportation and warehousing ..................... – 64 36 – 50

Utilities ............................................................. – 34 66 – 100

Information ........................................................... – 71 29 – 50

Financial activities ................................................ – 48 52 – 50

Finance and insurance .................................... – 50 50 – 50

Credit intermediation and related activities .. – 45 55 – 50

Insurance carriers and related activities ...... – 54 46 – 50

Professional and business services:

Professional and technical services ............... – 30 70 – 50

Education and health services ............................. – 42 58 3 ( ) 50

Educational services ........................................ – 48 51 1 50

Junior colleges, colleges, and universities ... – 45 54 3 ( ) 50

Health care and social assistance ................... – 41 59 – 50

Leisure and hospitality ......................................... – 49 47 – –

See footnotes at end of table.
Table 38. Dental care benefits: Coverage for orthodontia, private industry workers,

2015—continued

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

Characteristics

Dependent only

Median

lifetime Full maximum2

coverage

Coverage

with limits1

No

coverage

Not

determinable

Median

percent of

covered

charges2

Worker characteristics

All workers ............................................................... – 30 69 1 50 $1,500

Management, professional, and related .................. – 30 69 1 50 1,500

Management, business, and financial ................. – 31 69 3 ( ) 50 1,500

Professional and related ...................................... – 30 70 1 50 1,500

Service ..................................................................... – 37 62 1 50 1,200

Sales and office ....................................................... – 25 74 1 50 1,500

Sales and related ................................................. – 15 82 3 50 1,500

Office and administrative support ........................ – 29 70 1 50 1,500

Natural resources, construction, and maintenance – 38 62 3 ( ) 50 1,500

Installation, maintenance, and repair ................... – 34 66 3 ( ) 50 1,500

Production, transportation, and material moving ..... – 30 69 1 50 1,500

Production ............................................................ – 35 65 3 ( ) 50 1,500

Transportation and material moving .................... – 23 75 1 50 1,500

Full time ................................................................... – 31 69 1 50 1,500

Part time .................................................................. – 22 78 – 50 1,500

Union ....................................................................... – 29 71 3 ( ) 50 1,500

Nonunion ................................................................. – 30 69 1 50 1,500

Average wage within the following categories4:

Second 25 percent ............................................... – 32 67 1 50 1,500

Third 25 percent ................................................... – 32 67 1 50 1,500

Highest 25 percent ............................................... – 29 70 3 ( ) 50 1,500

Highest 10 percent ........................................... – 27 73 3 ( ) 50 1,500

Establishment characteristics

Goods-producing industries ..................................... – 29 71 – 50 1,500

Manufacturing ...................................................... – 26 74 – 50 1,500

Service-providing industries ..................................... – 30 69 1 50 1,500

Trade, transportation, and utilities ....................... – 20 80 3 ( ) 50 1,500

Wholesale trade ............................................... – – 84 1 – 1,500

Retail trade ...................................................... – 10 90 – 50 1,500

Transportation and warehousing ..................... – 30 70 – 50 1,500

Utilities ............................................................. – 59 41 – 50 1,750

Information ........................................................... – – 92 – – 1,500

Financial activities ................................................ – 36 64 – 50 1,500

Finance and insurance .................................... – 36 64 – 50 1,500

Credit intermediation and related activities .. – 44 56 – 50 1,500

Insurance carriers and related activities ...... – 27 73 – 50 1,500

Professional and business services:

Professional and technical services ............... – 39 61 – 50 1,500

Education and health services ............................. – 39 61 3 ( ) 50 1,500

Educational services ........................................ – – 65 1 – –

Junior colleges, colleges, and universities ... – 29 70 3 ( ) 50 1,500

Health care and social assistance ................... – 40 60 – 50 1,500

Leisure and hospitality ......................................... – 38 59 4 50 –

See footnotes at end of table.
Table 38. Dental care benefits: Coverage for orthodontia, private industry workers,

2015—continued

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

Characteristics

Employee and dependent

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Median

percent of

covered

charges2

1 to 99 workers ........................................................ – 40 59 1 50

50 to 99 workers .................................................. – 45 55 1 50

100 workers or more ................................................ – 51 49 – 50

100 to 499 workers .............................................. – 47 53 3 ( ) 50

500 workers or more ............................................ – 56 43 – 50

Geographic areas

Northeast ................................................................. – 42 58 – 50

New England ....................................................... – 43 57 – 50

Middle Atlantic ..................................................... – 41 59 – 50

South ....................................................................... – 46 54 3 ( ) 50

South Atlantic ....................................................... – 45 55 1 50

East South Central ............................................... – 57 – – 50

West South Central .............................................. – 44 56 – 50

Midwest .................................................................... – 46 54 3 ( ) 50

East North Central ............................................... – 44 56 3 ( ) 50

West North Central .............................................. – 48 52 – 50

West ......................................................................... – 52 45 3 50

Mountain .............................................................. – 46 52 2 50

See footnotes at end of table.
Table 38. Dental care benefits: Coverage for orthodontia, private industry workers,

2015—continued

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

Characteristics

Dependent only

Median

lifetime Full maximum2

coverage

Coverage

with limits1

No

coverage

Not

determinable

Median

percent of

covered

charges2

1 to 99 workers ........................................................ – 32 67 1 50 $1,500

50 to 99 workers .................................................. – 31 68 1 50 1,500

100 workers or more ................................................ – 29 70 1 50 1,500

100 to 499 workers .............................................. – 30 70 3 ( ) 50 1,500

500 workers or more ............................................ – 28 71 1 50 1,500

Geographic areas

Northeast ................................................................. – 38 62 – 50 1,500

New England ....................................................... – 30 70 – 50 1,500

Middle Atlantic ..................................................... – 41 59 – 50 1,500

South ....................................................................... – 31 69 3 ( ) 50 1,500

South Atlantic ....................................................... – 29 70 1 50 1,500

East South Central ............................................... – 31 69 – 50 1,500

West South Central .............................................. – 33 67 – 50 1,500

Midwest .................................................................... – 32 68 3 ( ) 50 1,500

East North Central ............................................... – 35 64 3 ( ) 50 1,500

West North Central .............................................. – 26 74 – 50 1,500

West ......................................................................... – 22 76 3 50 1,500

Mountain .............................................................. – 16 81 2 50 1,500

1 Coverage for orthodontia care benefits may be subject to scheduled allowance, deductible, or coinsurance provisions, in addition to maximum dollar

amounts. 2 Medians include only those plans that have the specified provision. 3 Less than 0.5. 4 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings

both above and below the threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey

publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 38. Standard errors for dental care benefits: Coverage for orthodontia, private

industry workers, 2015

Characteristics

Employee and dependent

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Median

percent of

covered

charges2

Worker characteristics

All workers ............................................................... – 1.9 1.9 – 0.0

Management, professional, and related .................. – 2.5 2.5 0.4 0.0

Management, business, and financial ................. – 3.2 3.2 0.4 0.0

Professional and related ...................................... – 3.7 3.8 0.5 0.0

Service ..................................................................... – 4.7 4.9 – 0.0

Sales and office ....................................................... – 2.7 2.8 – 0.0

Sales and related ................................................. – 4.9 4.9 1.7 0.0

Office and administrative support ........................ – 2.9 3.0 – 0.0

Natural resources, construction, and maintenance – 4.3 4.3 0.2 0.0

Installation, maintenance, and repair ................... – 5.0 4.9 0.4 0.0

Production, transportation, and material moving ..... – 3.5 3.5 0.5 0.0

Production ............................................................ – 4.2 4.2 0.2 0.0

Transportation and material moving .................... – 5.4 5.4 1.3 0.0

Full time ................................................................... – 1.9 2.0 – 0.0

Part time .................................................................. – 7.9 7.9 – 0.0

Union ....................................................................... – 3.9 3.9 0.2 0.0

Nonunion ................................................................. – 2.0 2.0 – 0.0

Average wage within the following categories3:

Second 25 percent ............................................... – 3.5 3.5 – 0.0

Third 25 percent ................................................... – 2.2 2.2 0.4 0.0

Highest 25 percent ............................................... – 2.4 2.4 0.2 0.0

Highest 10 percent ........................................... – 3.5 3.5 4 ( ) 0.0

Establishment characteristics

Goods-producing industries ..................................... – 3.2 3.2 – 0.0

Manufacturing ...................................................... – 3.4 3.4 – 0.0

Service-providing industries ..................................... – 2.3 2.3 – 0.0

Trade, transportation, and utilities ....................... – 3.3 3.4 0.1 3.2

Wholesale trade ............................................... – 4.7 4.7 0.3 9.0

Retail trade ...................................................... – 3.1 3.1 – –

Transportation and warehousing ..................... – 9.5 9.5 – 1.8

Utilities ............................................................. – 7.2 7.2 – 27.4

Information ........................................................... – 5.6 5.6 – 0.0

Financial activities ................................................ – 2.2 2.2 – 0.0

Finance and insurance .................................... – 1.9 1.9 – 0.0

Credit intermediation and related activities .. – 3.0 3.0 – 0.0

Insurance carriers and related activities ...... – 3.0 3.0 – 0.0

Professional and business services:

Professional and technical services ............... – 7.9 7.9 – 0.0

Education and health services ............................. – 5.9 5.9 0.1 0.0

Educational services ........................................ – 9.2 9.3 0.6 0.0

Junior colleges, colleges, and universities ... – 3.9 3.8 0.4 0.0

Health care and social assistance ................... – 6.7 6.7 – 0.0

Leisure and hospitality ......................................... – 6.7 7.7 – –

See footnotes at end of table.
Table 38. Standard errors for dental care benefits: Coverage for orthodontia, private industry

workers, 2015—continued

Characteristics

Dependent only

Median

lifetime Full maximum2

coverage

Coverage

with limits1

No

coverage

Not

determinable

Median

percent of

covered

charges2

Worker characteristics

All workers ............................................................... – 1.9 1.9 0.2 0.0 $0

Management, professional, and related .................. – 2.7 2.6 0.4 0.0 0

Management, business, and financial ................. – 3.2 3.2 0.4 0.0 0

Professional and related ...................................... – 3.3 3.2 0.5 0.0 0

Service ..................................................................... – 4.3 4.2 0.8 0.0 317

Sales and office ....................................................... – 2.8 2.9 0.6 0.0 0

Sales and related ................................................. – 4.1 4.4 1.7 0.0 0

Office and administrative support ........................ – 3.1 3.3 0.9 0.0 0

Natural resources, construction, and maintenance – 4.1 4.1 0.2 0.0 0

Installation, maintenance, and repair ................... – 5.6 5.8 0.4 0.0 0

Production, transportation, and material moving ..... – 2.8 2.8 0.5 0.0 0

Production ............................................................ – 3.7 3.7 0.2 0.0 0

Transportation and material moving .................... – 4.6 4.6 1.3 0.0 0

Full time ................................................................... – 1.9 1.9 0.2 0.0 0

Part time .................................................................. – 4.7 4.7 – 0.0 0

Union ....................................................................... – 3.9 3.9 0.2 0.0 0

Nonunion ................................................................. – 2.1 2.1 0.3 0.0 0

Average wage within the following categories3:

Second 25 percent ............................................... – 3.6 3.6 0.5 0.0 112

Third 25 percent ................................................... – 2.4 2.4 0.4 0.0 0

Highest 25 percent ............................................... – 2.3 2.3 0.2 0.0 0

Highest 10 percent ........................................... – 3.5 3.5 4 ( ) 0.0 0

Establishment characteristics

Goods-producing industries ..................................... – 2.5 2.5 – 0.0 0

Manufacturing ...................................................... – 2.8 2.8 – 0.0 0

Service-providing industries ..................................... – 2.3 2.3 0.3 0.0 0

Trade, transportation, and utilities ....................... – 3.6 3.6 0.1 0.0 0

Wholesale trade ............................................... – – 4.8 0.3 – 0

Retail trade ...................................................... – 2.1 2.1 – 0.0 0

Transportation and warehousing ..................... – 8.9 8.9 – 0.0 0

Utilities ............................................................. – 7.3 7.3 – 0.0 93

Information ........................................................... – – 3.1 – – 91

Financial activities ................................................ – 2.3 2.3 – 0.0 0

Finance and insurance .................................... – 2.6 2.6 – 0.0 0

Credit intermediation and related activities .. – 4.1 4.1 – 0.0 0

Insurance carriers and related activities ...... – 3.5 3.5 – 0.0 0

Professional and business services:

Professional and technical services ............... – 9.0 9.0 – 0.0 0

Education and health services ............................. – 4.5 4.5 0.1 0.0 323

Educational services ........................................ – – 10.2 0.6 – –

Junior colleges, colleges, and universities ... – 3.9 4.0 0.4 0.0 0

Health care and social assistance ................... – 5.0 5.0 – 0.0 311

Leisure and hospitality ......................................... – 8.5 7.5 3.0 0.0 –

See footnotes at end of table.
Table 38. Standard errors for dental care benefits: Coverage for orthodontia, private

industry workers, 2015—continued

Characteristics

Employee and dependent

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Median

percent of

covered

charges2

1 to 99 workers ........................................................ – 3.4 3.6 0.9 0.0

50 to 99 workers .................................................. – 5.9 6.1 0.5 0.0

100 workers or more ................................................ – 2.2 2.2 – 0.0

100 to 499 workers .............................................. – 3.3 3.3 0.3 0.0

500 workers or more ............................................ – 2.5 2.6 – 0.0

Geographic areas

Northeast ................................................................. – 4.5 4.4 – 0.0

New England ....................................................... – 5.0 5.0 – 0.0

Middle Atlantic ..................................................... – 5.4 5.3 – 0.0

South ....................................................................... – 3.2 3.2 0.3 0.0

South Atlantic ....................................................... – 4.1 4.2 0.6 0.0

East South Central ............................................... – 13.6 – – 0.0

West South Central .............................................. – 3.6 3.6 – 0.0

Midwest .................................................................... – 3.3 3.3 0.1 0.0

East North Central ............................................... – 4.6 4.5 0.1 0.0

West North Central .............................................. – 4.5 4.5 – 0.0

West ......................................................................... – 4.5 4.6 0.8 0.0

Mountain .............................................................. – 6.3 6.7 1.2 0.0

See footnotes at end of table.
Table 38. Standard errors for dental care benefits: Coverage for orthodontia, private industry

workers, 2015—continued

Characteristics

Dependent only

Median

lifetime Full maximum2

coverage

Coverage

with limits1

No

coverage

Not

determinable

Median

percent of

covered

charges2

1 to 99 workers ........................................................ – 3.3 3.2 0.9 0.0 $0

50 to 99 workers .................................................. – 6.4 6.3 0.5 0.0 77

100 workers or more ................................................ – 2.1 2.0 0.3 0.0 0

100 to 499 workers .............................................. – 3.2 3.2 0.3 0.0 0

500 workers or more ............................................ – 2.7 2.6 0.6 0.0 0

Geographic areas

Northeast ................................................................. – 5.6 5.6 – 0.0 0

New England ....................................................... – 6.5 6.5 – 0.0 0

Middle Atlantic ..................................................... – 6.7 6.7 – 0.0 0

South ....................................................................... – 3.7 3.6 0.3 0.0 0

South Atlantic ....................................................... – 4.8 4.7 0.6 0.0 0

East South Central ............................................... – 7.7 7.7 – 0.0 0

West South Central .............................................. – 7.8 7.8 – 0.0 0

Midwest .................................................................... – 3.1 3.1 0.1 0.0 0

East North Central ............................................... – 4.5 4.6 0.1 0.0 0

West North Central .............................................. – 2.8 2.8 – 0.0 0

West ......................................................................... – 2.9 2.9 0.8 0.0 0

Mountain .............................................................. – 4.4 4.4 1.2 0.0 0

1 Coverage for orthodontia care benefits may be subject to scheduled allowance, deductible, or coinsurance provisions, in addition to maximum dollar

amounts. 2

Note: Medians include only those plans that have specified provision 3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings

both above and below the threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey

publication, "Employer Costs for Employee Compensation - March 2015." 4 Less than 0.05.

Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related

terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 39. Dental care benefits: Median percent of covered charges

paid by plan for selected services, private industry workers, 2015

(Includes all workers participating in dental care plans)

Characteristics Preventive

services1

Basic

services2

Major

services3

Worker characteristics

All workers ............................................................... 100 80 50

Management, professional, and related .................. 100 80 50

Management, business, and financial ................. 100 80 50

Professional and related ...................................... 100 80 50

Service ..................................................................... 100 80 50

Sales and office ....................................................... 100 80 50

Sales and related ................................................. 100 80 50

Office and administrative support ........................ 100 80 50

Natural resources, construction, and maintenance 100 80 50

Installation, maintenance, and repair ................... 100 80 50

Production, transportation, and material moving ..... 100 80 50

Production ............................................................ 100 80 50

Transportation and material moving .................... – 80 60

Full time ................................................................... 100 80 50

Part time .................................................................. 100 80 50

Union ....................................................................... 100 80 50

Nonunion ................................................................. 100 80 50

Average wage within the following categories4:

Second 25 percent ............................................... 100 80 50

Third 25 percent ................................................... 100 80 50

Highest 25 percent ............................................... 100 80 50

Highest 10 percent ........................................... 100 80 50

Establishment characteristics

Goods-producing industries ..................................... 100 80 50

Manufacturing ...................................................... 100 80 50

Service-providing industries ..................................... 100 80 50

Trade, transportation, and utilities ....................... 100 80 50

Wholesale trade ............................................... 100 80 50

Retail trade ...................................................... 100 80 50

Transportation and warehousing ..................... – 80 60

Utilities ............................................................. 100 80 60

Information ........................................................... 100 80 50

Financial activities ................................................ 100 80 50

Finance and insurance .................................... 100 80 50

Credit intermediation and related activities .. 100 80 50

Insurance carriers and related activities ...... 100 80 50

Professional and business services:

Professional and technical services ............... 100 80 50

Education and health services ............................. 100 80 50

Educational services ........................................ 100 80 50

Junior colleges, colleges, and universities ... 100 80 50

Health care and social assistance ................... 100 80 50

Leisure and hospitality ......................................... 100 80 50

See footnotes at end of table.
Table 39. Dental care benefits: Median percent of covered charges

paid by plan for selected services, private industry workers,

2015—continued

(Includes all workers participating in dental care plans)

Characteristics Preventive

services1

Basic

services2

Major

services3

1 to 99 workers ........................................................ 100 80 50

50 to 99 workers .................................................. 100 80 50

100 workers or more ................................................ 100 80 50

100 to 499 workers .............................................. 100 80 50

500 workers or more ............................................ 100 80 50

Geographic areas

Northeast ................................................................. 100 80 50

New England ....................................................... 100 80 50

Middle Atlantic ..................................................... 100 80 50

South ....................................................................... 100 80 50

South Atlantic ....................................................... 100 80 50

East South Central ............................................... 100 80 50

West South Central .............................................. 100 80 50

Midwest .................................................................... 100 80 50

East North Central ............................................... 100 80 50

West North Central .............................................. 100 80 50

West ......................................................................... 100 80 50

Mountain .............................................................. 100 80 50

1 Preventive services include routine exams, cleanings, and x-rays, and other preventive care. 2 Basic services include fillings, dental surgery, periodontal care (treatment for gum disease), and

endodontics (root canal therapy). 3 Major services include procedures such as crowns and prosthetics (replacement of missing teeth with

bridgework or dentures). 4 Surveyed occupations are classified into wage categories based on the average wage for the occupation,

which may include workers with earnings both above and below the threshold. The categories were formed using

percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs

for Employee Compensation - March 2015."

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

Terms" at www.bls.gov/ncs/ebs/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 39. Standard errors for dental care benefits: Median percent of

covered charges paid by plan for selected services, private industry

workers, 2015

Characteristics Preventive

services1

Basic

services2

Major

services3

Worker characteristics

All workers ............................................................... 0.0 0.0 0.0

Management, professional, and related .................. 0.0 0.0 0.0

Management, business, and financial ................. 0.0 0.0 0.0

Professional and related ...................................... 0.0 0.0 0.0

Service ..................................................................... 0.0 0.0 5.9

Sales and office ....................................................... 0.0 0.0 0.0

Sales and related ................................................. 0.0 0.0 0.0

Office and administrative support ........................ 0.0 0.0 0.0

Natural resources, construction, and maintenance 0.0 0.0 0.0

Installation, maintenance, and repair ................... 0.0 0.0 0.0

Production, transportation, and material moving ..... 0.0 0.0 0.0

Production ............................................................ 0.0 0.0 0.0

Transportation and material moving .................... – 0.0 9.3

Full time ................................................................... 0.0 0.0 0.0

Part time .................................................................. 0.0 0.0 0.0

Union ....................................................................... 0.0 0.0 12.5

Nonunion ................................................................. 0.0 0.0 0.0

Average wage within the following categories4:

Second 25 percent ............................................... 0.0 0.0 0.0

Third 25 percent ................................................... 0.0 0.0 0.0

Highest 25 percent ............................................... 0.0 0.0 0.0

Highest 10 percent ........................................... 0.0 0.0 0.0

Establishment characteristics

Goods-producing industries ..................................... 0.0 0.0 0.0

Manufacturing ...................................................... 0.0 0.0 0.0

Service-providing industries ..................................... 0.0 0.0 0.0

Trade, transportation, and utilities ....................... 0.0 0.0 0.0

Wholesale trade ............................................... 0.0 0.0 0.0

Retail trade ...................................................... 0.0 0.0 0.0

Transportation and warehousing ..................... – 0.0 8.8

Utilities ............................................................. 0.0 1.3 0.0

Information ........................................................... 0.0 0.0 0.0

Financial activities ................................................ 0.0 0.0 0.0

Finance and insurance .................................... 0.0 0.0 0.0

Credit intermediation and related activities .. 0.0 0.0 0.0

Insurance carriers and related activities ...... 0.0 0.0 0.0

Professional and business services:

Professional and technical services ............... 0.0 0.0 0.0

Education and health services ............................. 0.0 0.0 0.0

Educational services ........................................ 0.0 2.6 14.4

Junior colleges, colleges, and universities ... 0.0 0.0 0.0

Health care and social assistance ................... 0.0 0.0 0.0

Leisure and hospitality ......................................... 0.0 0.0 9.5

See footnotes at end of table.
Table 39. Standard errors for dental care benefits: Median percent of

covered charges paid by plan for selected services, private industry

workers, 2015—continued

Characteristics Preventive

services1

Basic

services2

Major

services3

1 to 99 workers ........................................................ 0.0 0.0 0.0

50 to 99 workers .................................................. 0.0 0.0 4.2

100 workers or more ................................................ 0.0 0.0 0.0

100 to 499 workers .............................................. 0.0 0.0 0.0

500 workers or more ............................................ 0.0 0.0 0.0

Geographic areas

Northeast ................................................................. 0.0 0.0 0.0

New England ....................................................... 0.0 0.0 0.0

Middle Atlantic ..................................................... 0.0 0.0 0.0

South ....................................................................... 0.0 0.0 0.0

South Atlantic ....................................................... 0.0 0.0 0.0

East South Central ............................................... 0.0 0.0 0.0

West South Central .............................................. 0.0 0.0 0.0

Midwest .................................................................... 0.0 0.0 0.0

East North Central ............................................... 0.0 0.0 0.0

West North Central .............................................. 0.0 0.0 0.0

West ......................................................................... 0.0 0.0 0.0

Mountain .............................................................. 0.0 0.0 0.0

1 Preventive services include routine exams, cleanings, and x-rays, and other preventive care. 2 Basic services include fillings, dental surgery, periodontal care (treatment for gum disease), and

endodontics (root canal therapy). 3 Major services include procedures such as crowns and prosthetics (replacement of missing teeth with

bridgework or dentures). 4 Surveyed occupations are classified into wage categories based on the average wage for the occupation,

which may include workers with earnings both above and below the threshold. The categories were formed using

percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs

for Employee Compensation - March 2015."

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

Terms" at www.bls.gov/ncs/ebs/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 40. Dental care benefits: Amount of annual individual deductible,1

 private industry workers, 2015

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

Characteristics

With annual

individual

deductible

Amount of annual individual deductible With no

annual

individual

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 77 $25 $50 $50 $50 – 22 1

Management, professional, and related .................. 81 25 50 50 50 $50 18 2 ( )

Management, business, and financial ................. 81 25 50 50 50 50 19 2 ( )

Professional and related ...................................... 81 25 – 50 50 50 18 1

Service ..................................................................... 68 25 50 50 50 100 27 5

Sales and office ....................................................... 79 25 50 50 50 75 20 1

Sales and related ................................................. 76 – 50 50 – 75 – –

Office and administrative support ........................ 80 25 50 50 50 60 20 2 ( )

Natural resources, construction, and maintenance 69 25 50 50 50 – 31 –

Installation, maintenance, and repair ................... 72 25 50 50 50 75 28 –

Production, transportation, and material moving ..... 75 25 50 50 50 – 24 2 ( )

Production ............................................................ 82 25 50 50 50 50 17 1

Transportation and material moving .................... 67 – 50 50 50 75 33 –

Full time ................................................................... 78 25 50 50 50 – 21 1

Part time .................................................................. 65 25 – 50 50 – 33 2

Union ....................................................................... 62 25 – 50 50 – 36 2

Nonunion ................................................................. 80 25 50 50 50 – 19 1

Average wage within the following categories3:

Lowest 25 percent ............................................... – – – – – – – 5

Lowest 10 percent ........................................... – – – – – – – 3

Second 25 percent ............................................... 78 25 50 50 50 75 21 2

Third 25 percent ................................................... 76 25 50 50 50 50 24 2 ( )

Highest 25 percent ............................................... 79 25 50 50 50 50 21 2 ( )

Highest 10 percent ........................................... 79 25 50 50 50 50 20 1

Establishment characteristics

Goods-producing industries ..................................... 84 25 50 50 50 50 16 –

Manufacturing ...................................................... 86 – 50 50 50 50 14 –

Service-providing industries ..................................... 75 25 50 50 50 75 23 1

Trade, transportation, and utilities ....................... 76 – 50 50 60 75 22 2

Wholesale trade ............................................... 86 – 50 50 50 50 14 1

Retail trade ...................................................... 82 – 50 50 75 75 13 5

Transportation and warehousing ..................... 58 – 50 50 50 75 42 –

Utilities ............................................................. 91 25 25 50 50 150 – –

Information ........................................................... 87 25 50 50 50 50 – –

Financial activities ................................................ 83 – 50 50 50 50 17 2 ( )

Finance and insurance .................................... 85 25 50 50 50 50 14 1

Credit intermediation and related activities .. 81 50 50 50 50 50 19 –

Insurance carriers and related activities ...... 90 25 50 50 50 50 9 1

Professional and business services:

Professional and technical services ............... 72 25 – 50 50 50 – –

Education and health services ............................. 74 25 – 50 50 50 23 3

Educational services ........................................ 74 – 50 50 50 50 26 –

Junior colleges, colleges, and universities ... 72 25 50 50 50 50 28 –

Health care and social assistance ................... 74 25 – 50 50 50 22 4

Leisure and hospitality ......................................... 68 – 50 50 100 100 32 –

See footnotes at end of table.
Table 40. Dental care benefits: Amount of annual individual deductible,1

 private industry workers, 2015—continued

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

Characteristics

With annual

individual

deductible

Amount of annual individual deductible With no

annual

individual

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 77 $25 – $50 $50 $50 22 1

1 to 49 workers .................................................... – – – – – – – 1

50 to 99 workers .................................................. 74 25 $50 50 50 50 26 1

100 workers or more ................................................ 78 25 50 50 50 75 21 1

100 to 499 workers .............................................. 81 – 50 50 50 75 18 2

500 workers or more ............................................ 74 25 50 50 50 75 25 1

Geographic areas

Northeast ................................................................. 75 25 – 50 50 75 23 2

New England ....................................................... 83 25 50 50 50 – – –

Middle Atlantic ..................................................... 73 25 – 50 50 75 25 2

South ....................................................................... 78 25 50 50 50 50 21 1

South Atlantic ....................................................... 80 25 50 50 50 50 19 1

East South Central ............................................... 68 – 50 50 50 75 32 –

West South Central .............................................. 80 – 50 50 50 50 – –

Midwest .................................................................... 82 25 50 50 50 75 18 2 ( )

East North Central ............................................... 77 25 50 50 50 75 23 2 ( )

West North Central .............................................. 91 25 50 50 50 – 9 1

West ......................................................................... 73 25 50 50 50 50 25 2

Mountain .............................................................. 80 – 50 50 50 100 19 1

Pacific .................................................................. – – – – – – – 3

1 Amount of deductible excludes separate deductibles for orthodontic procedures. A deductible may not apply to all covered dental procedures. If separate deductibles apply to different

procedures, the sum of the deductible amounts are tabulated. 2 Less than 0.5. 3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.
Table 40. Standard errors for dental care benefits: Amount of annual individual deductible,1

 private industry workers,

2015

Characteristics

With annual

individual

deductible

Amount of annual individual deductible With no

annual

individual

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 1.6 $0 $0 $0 $0 – 1.4 0.4

Management, professional, and related .................. 1.9 0 0 0 0 $0 1.8 0.2

Management, business, and financial ................. 3.1 0 0 0 0 0 3.1 0.3

Professional and related ...................................... 2.2 0 – 0 0 0 2.1 0.3

Service ..................................................................... 6.3 0 13 0 0 0 4.9 2.4

Sales and office ....................................................... 2.6 3 0 0 0 0 2.6 0.4

Sales and related ................................................. 6.3 – 0 0 – 0 – –

Office and administrative support ........................ 2.6 1 0 0 0 14 2.5 0.3

Natural resources, construction, and maintenance 4.1 0 2 0 0 – 4.1 –

Installation, maintenance, and repair ................... 4.6 1 0 0 0 6 4.6 –

Production, transportation, and material moving ..... 4.0 0 0 0 0 – 4.1 0.2

Production ............................................................ 4.6 2 0 0 0 0 4.5 0.4

Transportation and material moving .................... 6.5 – 0 0 0 0 6.5 –

Full time ................................................................... 1.6 0 0 0 0 – 1.4 0.4

Part time .................................................................. 5.9 0 – 5 5 – 5.8 1.3

Union ....................................................................... 4.1 0 – 0 0 – 4.0 1.1

Nonunion ................................................................. 1.7 0 0 0 0 – 1.5 0.4

Average wage within the following categories2:

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

Lowest 10 percent ........................................... – – – – – – – 2.8

Second 25 percent ............................................... 2.8 0 0 0 0 0 2.8 0.5

Third 25 percent ................................................... 2.3 0 0 0 0 5 2.3 0.2

Highest 25 percent ............................................... 2.1 0 0 0 0 0 2.0 0.2

Highest 10 percent ........................................... 3.4 0 0 0 0 0 3.4 0.4

Establishment characteristics

Goods-producing industries ..................................... 2.7 0 0 0 0 8 2.7 –

Manufacturing ...................................................... 2.6 – 0 0 0 10 2.6 –

Service-providing industries ..................................... 1.9 0 0 0 0 8 1.6 0.5

Trade, transportation, and utilities ....................... 3.7 – 0 0 15 0 3.6 0.7

Wholesale trade ............................................... 4.1 – 0 0 0 12 4.1 0.4

Retail trade ...................................................... 3.8 – 0 0 0 0 3.4 1.5

Transportation and warehousing ..................... 8.5 – 0 0 12 0 8.5 –

Utilities ............................................................. 3.4 0 0 0 0 0 – –

Information ........................................................... 4.1 0 0 0 0 13 – –

Financial activities ................................................ 1.6 – 0 0 0 0 1.7 0.5

Finance and insurance .................................... 1.2 2 0 0 0 0 1.3 0.5

Credit intermediation and related activities .. 2.0 5 0 0 0 0 2.0 –

Insurance carriers and related activities ...... 1.9 0 0 0 0 0 1.6 1.3

Professional and business services:

Professional and technical services ............... 9.0 0 – 0 0 0 – –

Education and health services ............................. 5.3 0 – 0 0 0 3.9 1.5

Educational services ........................................ 5.4 – 0 0 0 0 5.4 –

Junior colleges, colleges, and universities ... 4.4 6 0 0 0 0 4.4 –

Health care and social assistance ................... 6.2 0 – 0 0 0 4.5 1.8

Leisure and hospitality ......................................... 7.5 – 0 0 24 0 7.5 –

See footnotes at end of table.
Table 40. Standard errors for dental care benefits: Amount of annual individual deductible,1

 private industry workers,

2015—continued

Characteristics

With annual

individual

deductible

Amount of annual individual deductible With no

annual

individual

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 2.3 $0 – $0 $0 $0 2.3 0.4

1 to 49 workers .................................................... – – – – – – – 0.5

50 to 99 workers .................................................. 5.1 0 $0 0 0 0 5.1 0.6

100 workers or more ................................................ 2.0 0 0 0 0 0 1.8 0.5

100 to 499 workers .............................................. 2.7 – 0 0 0 3 2.2 0.9

500 workers or more ............................................ 2.2 0 0 0 0 9 2.2 0.3

Geographic areas

Northeast ................................................................. 3.0 0 – 0 0 7 2.9 0.7

New England ....................................................... 5.8 4 0 0 0 – – –

Middle Atlantic ..................................................... 3.5 0 – 0 0 11 3.4 1.0

South ....................................................................... 2.7 0 0 0 0 5 2.7 0.2

South Atlantic ....................................................... 1.9 0 0 0 0 0 1.8 0.3

East South Central ............................................... 7.0 – 0 0 0 0 7.0 –

West South Central .............................................. 6.9 – 0 0 0 0 – –

Midwest .................................................................... 2.4 0 0 0 0 0 2.4 0.3

East North Central ............................................... 3.5 0 0 0 0 0 3.5 0.1

West North Central .............................................. 2.5 0 0 0 0 – 2.1 0.7

West ......................................................................... 4.0 0 0 0 0 10 3.1 1.2

Mountain .............................................................. 3.7 – 0 0 0 25 4.4 1.0

Pacific .................................................................. – – – – – – – 1.7

1 Amount of deductible excludes separate deductibles for orthodontic procedures. A deductible may not apply to all covered dental procedures. If separate deductibles apply to different

procedures, the sum of the deductible amounts are tabulated. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 41. Dental care benefits: Amount of annual family deductible,1

 private industry workers, 2015

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

Characteristics

With annual

family

deductible

Amount of annual family deductible With no

annual

family

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 67 $75 $100 $150 $150 $200 32 1

Management, professional, and related .................. 71 75 100 150 150 150 29 2 ( )

Management, business, and financial ................. 73 75 100 150 150 150 26 2 ( )

Professional and related ...................................... 69 75 – 150 150 150 30 1

Service ..................................................................... 60 – 150 150 150 300 35 5

Sales and office ....................................................... 66 100 150 150 150 225 33 1

Sales and related ................................................. 66 100 150 150 225 225 – –

Office and administrative support ........................ 65 100 150 150 150 225 34 2 ( )

Natural resources, construction, and maintenance 58 75 100 150 150 – 42 –

Installation, maintenance, and repair ................... 60 75 100 150 150 225 40 –

Production, transportation, and material moving ..... 66 75 100 150 150 – 34 2 ( )

Production ............................................................ 71 75 100 150 150 150 29 1

Transportation and material moving .................... 60 – 100 150 150 225 40 –

Full time ................................................................... 68 75 100 150 150 200 31 1

Part time .................................................................. 50 75 – 150 200 300 48 2

Union ....................................................................... 54 50 100 150 150 150 44 2

Nonunion ................................................................. 69 75 100 150 150 200 30 1

Average wage within the following categories3:

Lowest 25 percent ............................................... – – – – – – – 5

Lowest 10 percent ........................................... – – – – – – – 3

Second 25 percent ............................................... 65 – 150 150 150 225 33 2

Third 25 percent ................................................... 66 75 100 150 150 150 34 2 ( )

Highest 25 percent ............................................... 69 75 100 150 150 150 30 2 ( )

Highest 10 percent ........................................... 72 75 100 150 150 150 27 1

Establishment characteristics

Goods-producing industries ..................................... 72 75 100 150 150 – 28 –

Manufacturing ...................................................... 74 75 100 150 150 – 26 –

Service-providing industries ..................................... 65 75 100 150 150 225 34 1

Trade, transportation, and utilities ....................... 68 75 100 150 200 225 30 2

Wholesale trade ............................................... 77 75 – 150 150 – 22 1

Retail trade ...................................................... 76 – 150 – 225 225 19 5

Transportation and warehousing ..................... 53 – 100 – – 225 47 –

Utilities ............................................................. 47 75 75 75 – 150 53 –

Information ........................................................... 83 75 100 – 150 150 17 –

Financial activities ................................................ 65 75 – 150 150 150 34 2 ( )

Finance and insurance .................................... 68 75 – 150 150 150 31 1

Credit intermediation and related activities .. 59 100 – 150 150 150 41 –

Insurance carriers and related activities ...... 79 75 100 150 150 150 20 1

Professional and business services:

Professional and technical services ............... 69 75 – 150 150 150 31 –

Education and health services ............................. 59 – 150 150 150 150 38 3

Educational services ........................................ 69 – – 150 150 150 31 –

Junior colleges, colleges, and universities ... 69 75 150 150 150 150 31 –

Health care and social assistance ................... 58 – 150 150 150 150 39 4

Leisure and hospitality ......................................... 57 150 150 – 300 300 43 –

See footnotes at end of table.
Table 41. Dental care benefits: Amount of annual family deductible,1

 private industry workers, 2015—continued

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

Characteristics

With annual

family

deductible

Amount of annual family deductible With no

annual

family

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 65 $75 $100 $150 $150 $150 34 1

1 to 49 workers .................................................... – – – – – – – 1

50 to 99 workers .................................................. 61 75 100 150 150 150 38 1

100 workers or more ................................................ 68 75 100 150 150 225 31 1

100 to 499 workers .............................................. 74 – 100 150 150 225 24 2

500 workers or more ............................................ 60 75 100 150 150 200 40 1

Geographic areas

Northeast ................................................................. 68 75 – 150 150 200 30 2

New England ....................................................... 76 – – 150 150 200 – –

Middle Atlantic ..................................................... 66 75 – 150 150 200 32 2

South ....................................................................... 68 – 100 150 150 – 31 1

South Atlantic ....................................................... 72 50 100 150 150 – 27 1

East South Central ............................................... 56 100 100 150 150 225 44 –

West South Central .............................................. 67 – 100 150 150 150 – –

Midwest .................................................................... 71 75 100 150 150 225 29 2 ( )

East North Central ............................................... 71 75 – 150 150 225 29 2 ( )

West North Central .............................................. 71 75 100 150 150 150 28 1

West ......................................................................... 60 – 150 150 150 200 38 2

Mountain .............................................................. 60 – – 150 150 300 39 1

Pacific .................................................................. – – – – – – – 3

1 Amount of deductible excludes separate deductibles for orthodontic procedures. A deductible may not apply to all covered dental procedures. If separate deductibles apply to different

procedures, the sum of the deductible amounts are tabulated. 2 Less than 0.5. 3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 41. Standard errors for dental care benefits: Amount of annual family deductible,1

 private industry workers, 2015

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

Characteristics

With annual

family

deductible

Amount of annual family deductible With no

annual

family

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 1.6 $0 $0 $0 $0 $6 1.6 0.4

Management, professional, and related .................. 2.6 0 0 0 0 0 2.5 0.2

Management, business, and financial ................. 3.2 0 29 0 0 0 3.2 0.3

Professional and related ...................................... 3.5 6 – 0 0 0 3.5 0.3

Service ..................................................................... 7.5 – 13 0 21 0 6.4 2.4

Sales and office ....................................................... 2.8 26 22 0 0 0 2.8 0.4

Sales and related ................................................. 5.8 27 33 0 0 0 – –

Office and administrative support ........................ 3.3 28 22 0 0 21 3.2 0.3

Natural resources, construction, and maintenance 4.0 0 5 0 0 – 4.0 –

Installation, maintenance, and repair ................... 4.4 0 11 0 0 18 4.4 –

Production, transportation, and material moving ..... 4.2 0 0 0 0 – 4.2 0.2

Production ............................................................ 4.5 0 0 0 0 29 4.5 0.4

Transportation and material moving .................... 6.9 – 0 0 0 18 6.9 –

Full time ................................................................... 1.7 0 0 0 0 26 1.6 0.4

Part time .................................................................. 5.6 0 – 0 46 71 5.7 1.3

Union ....................................................................... 4.4 6 29 27 0 36 4.3 1.1

Nonunion ................................................................. 1.7 0 16 0 0 14 1.8 0.4

Average wage within the following categories2:

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

Lowest 10 percent ........................................... – – – – – – – 2.8

Second 25 percent ............................................... 3.7 – 0 0 0 0 3.7 0.5

Third 25 percent ................................................... 2.4 0 0 0 0 35 2.4 0.2

Highest 25 percent ............................................... 2.5 0 0 0 0 0 2.4 0.2

Highest 10 percent ........................................... 3.5 0 0 0 0 0 3.5 0.4

Establishment characteristics

Goods-producing industries ..................................... 3.1 0 0 0 0 – 3.1 –

Manufacturing ...................................................... 2.7 0 0 0 0 – 2.7 –

Service-providing industries ..................................... 1.8 0 0 0 0 27 1.8 0.5

Trade, transportation, and utilities ....................... 3.6 6 29 0 35 0 3.5 0.7

Wholesale trade ............................................... 3.5 19 – 0 0 – 3.4 0.4

Retail trade ...................................................... 3.9 – 0 – 0 0 3.5 1.5

Transportation and warehousing ..................... 9.0 – 0 – – 5 9.0 –

Utilities ............................................................. 8.6 0 0 0 – 0 8.6 –

Information ........................................................... 4.7 22 0 – 0 0 4.7 –

Financial activities ................................................ 3.5 0 – 0 0 0 3.4 0.5

Finance and insurance .................................... 3.0 0 – 0 0 0 2.9 0.5

Credit intermediation and related activities .. 4.5 22 – 0 0 0 4.5 –

Insurance carriers and related activities ...... 3.1 0 0 0 0 0 3.2 1.3

Professional and business services:

Professional and technical services ............... 8.9 0 – 42 0 0 8.9 –

Education and health services ............................. 4.5 – 0 0 0 0 4.5 1.5

Educational services ........................................ 6.2 – – 0 0 0 6.2 –

Junior colleges, colleges, and universities ... 4.5 0 16 0 0 0 4.5 –

Health care and social assistance ................... 5.2 – 0 0 0 0 5.2 1.8

Leisure and hospitality ......................................... 10.5 13 0 – 0 0 10.5 –

See footnotes at end of table.
Table 41. Standard errors for dental care benefits: Amount of annual family deductible,1

 private industry workers,

2015—continued

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

Characteristics

With annual

family

deductible

Amount of annual family deductible With no

annual

family

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 3.3 $0 $17 $0 $0 $0 3.3 0.4

1 to 49 workers .................................................... – – – – – – – 0.5

50 to 99 workers .................................................. 6.6 0 8 0 0 0 6.5 0.6

100 workers or more ................................................ 2.1 5 5 0 0 25 1.9 0.5

100 to 499 workers .............................................. 2.9 – 27 0 0 14 2.4 0.9

500 workers or more ............................................ 2.5 5 0 0 0 32 2.5 0.3

Geographic areas

Northeast ................................................................. 3.5 0 – 0 0 23 3.3 0.7

New England ....................................................... 4.3 – – 0 0 36 – –

Middle Atlantic ..................................................... 4.4 0 – 0 0 27 4.1 1.0

South ....................................................................... 2.8 – 0 0 0 – 2.9 0.2

South Atlantic ....................................................... 1.5 0 0 9 0 – 1.5 0.3

East South Central ............................................... 6.7 0 0 0 0 0 6.7 –

West South Central .............................................. 8.1 – 22 0 0 16 – –

Midwest .................................................................... 3.1 0 0 0 0 39 3.1 0.3

East North Central ............................................... 3.9 0 – 0 0 25 3.9 0.1

West North Central .............................................. 5.0 0 0 0 0 32 5.2 0.7

West ......................................................................... 3.2 – 22 0 0 34 3.2 1.2

Mountain .............................................................. 7.0 – – 0 26 0 7.1 1.0

Pacific .................................................................. – – – – – – – 1.7

1 Amount of deductible excludes separate deductibles for orthodontic procedures. A deductible may not apply to all covered dental procedures. If separate deductibles apply to different

procedures, the sum of the deductible amounts are tabulated. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.
Table 42. Dental care benefits: Amount of annual plan maximum,1

 private industry workers, 2015

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

Characteristics With annual

maximum

Amount of annual plan maximum

With no

annual

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 90 $1,000 $1,200 $1,500 $2,000 $2,000 8 2

Management, professional, and related .................. 90 1,000 1,200 1,500 2,000 2,000 8 2

Management, business, and financial ................. 88 1,000 1,500 1,500 2,000 2,000 10 2

Professional and related ...................................... 91 1,000 1,200 1,500 2,000 2,000 7 3

Service ..................................................................... 89 1,000 1,000 1,500 1,500 2,000 – –

Sales and office ....................................................... 90 1,000 1,200 1,500 2,000 2,500 8 2

Sales and related ................................................. 89 1,000 1,500 1,500 2,000 2,500 9 2

Office and administrative support ........................ 91 1,000 1,000 1,500 2,000 2,000 8 2

Natural resources, construction, and maintenance 92 1,000 1,000 1,500 2,000 2,000 7 2 ( )

Installation, maintenance, and repair ................... 92 1,000 1,000 1,500 2,000 – 8 1

Production, transportation, and material moving ..... 90 1,000 1,000 1,500 1,750 2,000 9 1

Production ............................................................ 96 1,000 1,000 1,500 1,500 2,000 – –

Transportation and material moving .................... 84 1,000 1,500 1,500 2,000 2,500 15 2

Full time ................................................................... 91 1,000 1,200 1,500 2,000 2,000 8 2

Part time .................................................................. 79 1,000 1,000 1,500 2,000 2,000 20 2

Union ....................................................................... 86 1,000 1,250 1,500 1,800 2,000 13 1

Nonunion ................................................................. 91 1,000 1,200 1,500 2,000 2,000 8 2

Average wage within the following categories3:

Second 25 percent ............................................... 91 1,000 1,000 1,500 2,000 2,000 8 1

Third 25 percent ................................................... 89 1,000 1,200 1,500 1,850 2,000 9 1

Highest 25 percent ............................................... 90 1,000 1,250 1,500 2,000 2,000 8 2

Highest 10 percent ........................................... 92 1,000 1,250 1,500 2,000 2,000 8 2 ( )

Establishment characteristics

Goods-producing industries ..................................... 95 1,000 1,200 1,500 1,850 2,000 5 2 ( )

Manufacturing ...................................................... 94 1,000 1,200 1,500 1,800 2,000 5 2 ( )

Service-providing industries ..................................... 89 1,000 1,200 1,500 2,000 2,000 10 2

Trade, transportation, and utilities ....................... 89 1,000 1,400 1,500 2,000 2,500 10 1

Wholesale trade ............................................... 91 1,000 1,400 1,500 1,800 2,000 – –

Retail trade ...................................................... 90 1,000 1,250 1,850 2,500 2,500 – –

Transportation and warehousing ..................... 83 1,000 1,500 – 2,000 2,500 – –

Utilities ............................................................. 96 1,000 1,250 1,500 1,750 2,000 – –

Information ........................................................... 90 1,000 1,500 1,500 2,000 2,000 – –

Financial activities ................................................ 88 1,000 1,200 1,500 2,000 2,000 11 2 ( )

Finance and insurance .................................... 88 1,000 1,200 1,500 2,000 2,000 12 2 ( )

Credit intermediation and related activities .. 83 1,000 1,200 1,500 2,000 2,000 16 2 ( )

Insurance carriers and related activities ...... 93 1,000 1,200 1,500 – 2,000 7 –

Professional and business services:

Professional and technical services ............... 98 1,000 1,200 1,500 – – – –

Education and health services ............................. 86 1,000 1,200 1,500 1,500 2,000 – –

Educational services ........................................ 86 1,000 – 1,500 2,000 2,000 – –

Junior colleges, colleges, and universities ... 90 1,000 1,250 1,500 2,000 3,000 9 1

Health care and social assistance ................... 86 1,000 1,200 1,500 1,500 2,000 – –

Leisure and hospitality ......................................... 91 1,000 1,500 1,500 1,500 2,000 – –

See footnotes at end of table.
Table 42. Dental care benefits: Amount of annual plan maximum,1

 private industry workers, 2015—continued

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

Characteristics With annual

maximum

Amount of annual plan maximum

With no

annual

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 89 $1,000 $1,000 $1,500 $1,800 $2,000 7 3

50 to 99 workers .................................................. 85 1,000 1,200 1,500 2,000 2,000 8 7

100 workers or more ................................................ 91 1,000 1,200 1,500 2,000 2,000 9 2 ( )

100 to 499 workers .............................................. 90 1,000 1,200 1,500 2,000 2,250 9 2 ( )

500 workers or more ............................................ 91 1,000 1,250 1,500 2,000 2,000 9 2 ( )

Geographic areas

Northeast ................................................................. 89 1,000 1,200 1,500 2,000 2,000 11 2 ( )

New England ....................................................... 91 1,000 1,500 1,500 1,500 2,000 – –

Middle Atlantic ..................................................... 89 1,000 1,200 1,500 2,000 2,000 – –

South ....................................................................... 92 1,000 1,200 1,500 1,750 2,000 7 1

South Atlantic ....................................................... 90 1,000 1,200 1,500 1,500 2,000 9 1

East South Central ............................................... 92 1,000 1,250 1,500 2,000 2,000 8 –

West South Central .............................................. 95 1,000 1,200 1,500 – 2,000 – –

Midwest .................................................................... 93 1,000 1,000 1,500 1,500 2,000 6 2 ( )

East North Central ............................................... 93 1,000 1,000 1,500 1,500 2,000 6 2 ( )

West North Central .............................................. 93 1,000 1,000 1,500 1,500 2,000 6 2 ( )

West ......................................................................... 85 1,000 1,500 1,500 2,000 2,000 10 5

Mountain .............................................................. 80 1,000 1,200 1,500 2,000 2,000 9 11

1 Includes all covered dental procedures except orthodontia. Coverage for dental procedures may be subject to scheduled allowance, deductible, or coinsurance provisions, in addition to

annual plan maximum. If separate annual maximums applied to different dental procedures, the sum of the maximum was tabulated. 2 Less than 0.5. 3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 42. Standard errors for dental care benefits: Amount of annual plan maximum,1

 private industry workers, 2015

Characteristics With annual

maximum

Amount of annual plan maximum

With no

annual

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 1.3 $0 $0 $0 $96 $0 0.9 0.9

Management, professional, and related .................. 2.1 0 13 0 52 0 1.2 1.9

Management, business, and financial ................. 2.4 0 351 0 0 0 2.2 1.1

Professional and related ...................................... 2.5 0 0 0 362 0 1.0 2.5

Service ..................................................................... 4.5 0 141 0 0 0 – –

Sales and office ....................................................... 1.5 0 223 0 0 213 1.3 0.7

Sales and related ................................................. 2.2 0 0 0 0 0 2.2 0.6

Office and administrative support ........................ 1.9 0 97 0 0 0 1.5 1.0

Natural resources, construction, and maintenance 1.5 0 197 0 391 0 1.4 0.2

Installation, maintenance, and repair ................... 1.9 0 82 0 427 – 1.8 0.4

Production, transportation, and material moving ..... 2.2 0 248 0 301 0 2.1 0.7

Production ............................................................ 1.3 0 0 0 0 0 – –

Transportation and material moving .................... 4.0 0 187 0 52 233 3.9 1.5

Full time ................................................................... 1.3 0 0 0 81 0 0.9 1.0

Part time .................................................................. 4.8 0 103 0 466 91 4.4 1.6

Union ....................................................................... 3.1 0 153 0 162 0 2.9 0.8

Nonunion ................................................................. 1.5 0 89 0 53 0 1.0 1.1

Average wage within the following categories2:

Second 25 percent ............................................... 1.4 0 115 0 399 494 1.4 0.3

Third 25 percent ................................................... 1.5 0 63 0 158 0 1.2 1.1

Highest 25 percent ............................................... 1.8 0 173 0 0 0 1.1 1.6

Highest 10 percent ........................................... 1.6 0 270 0 0 0 1.5 0.4

Establishment characteristics

Goods-producing industries ..................................... 0.8 0 231 0 151 0 1.0 0.4

Manufacturing ...................................................... 0.9 0 102 0 143 0 1.1 0.4

Service-providing industries ..................................... 1.6 0 0 0 46 0 1.2 1.2

Trade, transportation, and utilities ....................... 2.2 0 186 0 0 0 2.1 0.3

Wholesale trade ............................................... 3.1 0 253 0 140 0 – –

Retail trade ...................................................... 2.8 0 368 142 0 0 – –

Transportation and warehousing ..................... 5.2 0 0 – 555 0 – –

Utilities ............................................................. 1.6 126 49 0 46 73 – –

Information ........................................................... 4.0 0 0 0 46 0 – –

Financial activities ................................................ 1.0 0 255 0 0 0 1.0 0.1

Finance and insurance .................................... 1.4 0 55 0 0 0 1.4 0.1

Credit intermediation and related activities .. 2.2 0 277 0 0 0 2.2 0.3

Insurance carriers and related activities ...... 1.9 0 268 0 – 0 1.9 –

Professional and business services:

Professional and technical services ............... 1.1 0 106 0 – – – –

Education and health services ............................. 4.8 0 82 0 0 0 – –

Educational services ........................................ 4.4 0 – 63 0 0 – –

Junior colleges, colleges, and universities ... 1.9 0 253 0 0 795 2.0 0.2

Health care and social assistance ................... 5.6 0 82 144 0 217 – –

Leisure and hospitality ......................................... 4.4 0 353 0 232 324 – –

See footnotes at end of table.
Table 42. Standard errors for dental care benefits: Amount of annual plan maximum,1

 private industry workers,

2015—continued

Characteristics With annual

maximum

Amount of annual plan maximum

With no

annual

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 2.5 $0 $0 $0 $341 $0 1.1 2.5

50 to 99 workers .................................................. 6.6 0 138 0 279 500 2.0 6.9

100 workers or more ................................................ 1.2 0 29 0 0 0 1.2 0.2

100 to 499 workers .............................................. 2.0 0 73 0 225 442 2.0 0.2

500 workers or more ............................................ 1.4 0 145 0 0 0 1.2 0.4

Geographic areas

Northeast ................................................................. 3.0 0 94 0 280 0 3.0 3 ( )

New England ....................................................... 6.0 0 350 0 369 0 – –

Middle Atlantic ..................................................... 3.3 0 34 0 149 0 – –

South ....................................................................... 1.1 0 200 0 316 0 1.0 0.1

South Atlantic ....................................................... 1.8 0 251 0 267 0 1.8 0.2

East South Central ............................................... 1.5 0 234 0 145 0 1.5 –

West South Central .............................................. 1.4 0 280 0 – 0 – –

Midwest .................................................................... 0.8 0 0 76 0 0 1.0 0.3

East North Central ............................................... 1.0 0 0 176 0 0 1.3 0.5

West North Central .............................................. 1.4 0 0 0 0 0 1.6 0.2

West ......................................................................... 3.8 0 325 0 0 129 2.3 3.4

Mountain .............................................................. 9.0 0 223 0 200 0 1.3 9.8

1 Includes all covered dental procedures except orthodontia. Coverage for dental procedures may be subject to scheduled allowance, deductible, or coinsurance provisions, in addition to annual plan

maximum. If separate annual maximums applied to different dental procedures, the sum of the maximum was tabulated. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015." 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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 43. Vision care benefits:1

 Coverage for selected services, private

industry workers, 2015

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

Characteristics Eye exams Glasses Contact

lenses2

Worker characteristics

All workers ............................................................... 100 100 94

Management, professional, and related .................. 100 100 93

Management, business, and financial ................. 100 100 94

Professional and related ...................................... 100 100 92

Service ..................................................................... 100 100 92

Sales and office ....................................................... 100 100 93

Sales and related ................................................. 100 100 96

Office and administrative support ........................ 100 100 92

Natural resources, construction, and maintenance 100 100 100

Installation, maintenance, and repair ................... 100 100 99

Production, transportation, and material moving ..... 100 100 97

Production ............................................................ 100 100 99

Transportation and material moving .................... 100 100 96

Full time ................................................................... 100 100 95

Part time .................................................................. 100 100 87

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

Nonunion ................................................................. 100 100 94

Average wage within the following categories3:

Second 25 percent ............................................... 100 100 92

Third 25 percent ................................................... 100 100 95

Highest 25 percent ............................................... 100 100 95

Highest 10 percent ........................................... 100 100 99

Establishment characteristics

Goods-producing industries ..................................... 100 100 100

Manufacturing ...................................................... 100 100 100

Service-providing industries ..................................... 100 100 92

Trade, transportation, and utilities ....................... 100 100 95

Information ........................................................... 100 100 97

Financial activities ................................................ 100 100 99

Finance and insurance .................................... 100 100 98

Credit intermediation and related activities .. 100 100 97

Insurance carriers and related activities ...... 100 100 100

Professional and business services:

Professional and technical services ............... 100 100 100

Education and health services ............................. 100 100 83

Educational services ........................................ 99 100 95

Junior colleges, colleges, and universities ... 98 100 90

Health care and social assistance ................... 100 100 81

See footnotes at end of table.
Table 43. Vision care benefits:1

 Coverage for selected services, private

industry workers, 2015—continued

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

Characteristics Eye exams Glasses Contact

lenses2

1 to 99 workers:

50 to 99 workers ................................................ 100 100 85

100 workers or more ................................................ 100 100 98

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

500 workers or more ............................................ 100 100 96

Geographic areas

Northeast ................................................................. 100 100 96

New England ....................................................... 100 100 100

Middle Atlantic ..................................................... 100 100 95

South ....................................................................... 100 100 99

South Atlantic ....................................................... 100 100 99

East South Central ............................................... 100 100 99

West South Central .............................................. 100 100 99

Midwest .................................................................... 100 100 98

East North Central ............................................... 100 100 98

West North Central .............................................. 100 100 98

West ......................................................................... 100 100 87

Mountain .............................................................. 100 100 77

1 Includes plans with employer-provided discount cards if there is a cost to the employer. 2 Includes plans that provide coverage for elective purchase of contact lenses; medically necessary contact

lenses (for cataract surgery, for example) normally are provided under the surgical portion of a medical plan and

are not described in this table. 3 Surveyed occupations are classified into wage categories based on the average wage for the occupation,

which may include workers with earnings both above and below the threshold. The categories were formed using

percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs

for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 43. Standard errors for vision care benefits:1

 Coverage for

selected services, private industry workers, 2015

Characteristics Eye exams Glasses Contact

lenses2

Worker characteristics

All workers ............................................................... 3 ( ) 3 ( ) 1.9

Management, professional, and related .................. 0.1 3 ( ) 3.5

Management, business, and financial ................. 3 ( ) 3 ( ) 3.2

Professional and related ...................................... 0.1 3 ( ) 4.4

Service ..................................................................... 3 ( ) 3 ( ) 3.8

Sales and office ....................................................... 3 ( ) 3 ( ) 2.4

Sales and related ................................................. 3 ( ) 3 ( ) 2.4

Office and administrative support ........................ 3 ( ) 3 ( ) 3.3

Natural resources, construction, and maintenance 3 ( ) 3 ( ) 0.5

Installation, maintenance, and repair ................... 3 ( ) 3 ( ) 1.0

Production, transportation, and material moving ..... 3 ( ) 3 ( ) 2.3

Production ............................................................ 3 ( ) 3 ( ) 0.6

Transportation and material moving .................... 3 ( ) 3 ( ) 4.2

Full time ................................................................... 3 ( ) 3 ( ) 2.0

Part time .................................................................. 3 ( ) 3 ( ) 5.6

Union ....................................................................... 3 ( ) 3 ( ) 0.9

Nonunion ................................................................. 3 ( ) 3 ( ) 2.3

Average wage within the following categories4:

Second 25 percent ............................................... 3 ( ) 3 ( ) 3.1

Third 25 percent ................................................... 3 ( ) 3 ( ) 2.2

Highest 25 percent ............................................... 0.1 3 ( ) 2.9

Highest 10 percent ........................................... 3 ( ) 3 ( ) 0.6

Establishment characteristics

Goods-producing industries ..................................... 3 ( ) 3 ( ) 3 ( )

Manufacturing ...................................................... 3 ( ) 3 ( ) 3 ( )

Service-providing industries ..................................... 3 ( ) 3 ( ) 2.4

Trade, transportation, and utilities ....................... 3 ( ) 3 ( ) 3.0

Information ........................................................... 3 ( ) 3 ( ) 2.2

Financial activities ................................................ 3 ( ) 3 ( ) 0.9

Finance and insurance .................................... 3 ( ) 3 ( ) 1.1

Credit intermediation and related activities .. 3 ( ) 3 ( ) 2.2

Insurance carriers and related activities ...... 3 ( ) 3 ( ) 3 ( )

Professional and business services:

Professional and technical services ............... 3 ( ) 3 ( ) 3 ( )

Education and health services ............................. 0.1 3 ( ) 7.6

Educational services ........................................ 0.9 3 ( ) 1.4

Junior colleges, colleges, and universities ... 1.6 3 ( ) 1.6

Health care and social assistance ................... 3 ( ) 3 ( ) 8.6

See footnotes at end of table.
Table 43. Standard errors for vision care benefits:1

 Coverage for

selected services, private industry workers, 2015—continued

Characteristics Eye exams Glasses Contact

lenses2

1 to 99 workers:

50 to 99 workers ................................................ 3 ( ) 3 ( ) 9.7

100 workers or more ................................................ 3 ( ) 3 ( ) 0.4

100 to 499 workers .............................................. 0.1 3 ( ) 0.2

500 workers or more ............................................ 3 ( ) 3 ( ) 0.8

Geographic areas

Northeast ................................................................. 3 ( ) 3 ( ) 1.8

New England ....................................................... 3 ( ) 3 ( ) 3 ( )

Middle Atlantic ..................................................... 3 ( ) 3 ( ) 2.2

South ....................................................................... 3 ( ) 3 ( ) 0.3

South Atlantic ....................................................... 3 ( ) 3 ( ) 0.4

East South Central ............................................... 3 ( ) 3 ( ) 1.0

West South Central .............................................. 3 ( ) 3 ( ) 0.7

Midwest .................................................................... 0.1 3 ( ) 1.0

East North Central ............................................... 3 ( ) 3 ( ) 1.5

West North Central .............................................. 0.3 3 ( ) 1.2

West ......................................................................... 3 ( ) 3 ( ) 5.0

Mountain .............................................................. 3 ( ) 3 ( ) 10.7

1 Includes plans with employer-provided discount cards if there is a cost to the employer. 2 Includes plans that provide coverage for elective purchase of contact lenses; medically necessary contact

lenses (for cataract surgery, for example) normally are provided under the surgical portion of a medical plan and

are not described in this table. 3 Less than 0.05. 4 Surveyed occupations are classified into wage categories based on the average wage for the occupation,

which may include workers with earnings both above and below the threshold. The categories were formed using

percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs

for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 44. Vision care benefits:1

 Extent of coverage for selected services, private industry workers, 2015

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

Characteristics

Eye exams Glasses

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Worker characteristics

All workers ............................................................... 11 89 – – 7 93 – –

Management, professional, and related .................. 10 90 – – 7 93 – –

Management, business, and financial ................. 6 94 – – – 95 – –

Professional and related ...................................... 13 87 – – 8 92 – –

Service ..................................................................... 13 87 – – – 88 – –

Sales and office ....................................................... 9 91 – – – 95 – –

Sales and related ................................................. – 96 – – – 95 – –

Office and administrative support ........................ 11 89 – – – 95 – –

Natural resources, construction, and maintenance – 87 – – – 95 – –

Installation, maintenance, and repair ................... 15 85 – – – 92 – –

Production, transportation, and material moving ..... 13 87 – – – 95 – –

Production ............................................................ 18 82 – – – 95 – –

Transportation and material moving .................... 9 91 – – – 95 – –

Full time ................................................................... 10 89 – – 7 93 – –

Part time .................................................................. – 82 – – – 95 – –

Union ....................................................................... 18 82 – – 14 86 – –

Nonunion ................................................................. 10 90 – – 5 95 – –

Average wage within the following categories5:

Second 25 percent ............................................... 13 87 – – – 93 – –

Third 25 percent ................................................... 11 89 – – 7 93 – –

Highest 25 percent ............................................... 10 90 – – 7 93 – –

Highest 10 percent ........................................... 7 93 – – – 95 – –

Establishment characteristics

Goods-producing industries ..................................... 12 88 – – – 98 – –

Manufacturing ...................................................... 11 89 – – – 98 – –

Service-providing industries ..................................... 11 89 – – 8 92 – –

Trade, transportation, and utilities ....................... 10 90 – – – 90 – –

Information ........................................................... – 91 – – – 98 – –

Financial activities ................................................ 15 85 – – – 96 – –

Finance and insurance .................................... 15 85 – – – 95 – –

Credit intermediation and related activities .. – 90 – – – 100 – –

Insurance carriers and related activities ...... 16 84 – – – 86 – –

Professional and business services:

Professional and technical services ............... – 98 – – – 100 – –

Education and health services ............................. 20 80 – – 12 88 – –

Educational services ........................................ – 89 – – – 94 – –

Junior colleges, colleges, and universities ... – 80 – – – 88 – –

Health care and social assistance ................... 21 79 – – 12 88 – –

See footnotes at end of table.
Table 44. Vision care benefits:1

 Extent of coverage for selected services,

private industry workers, 2015—continued

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

Characteristics

Contact lenses3

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Worker characteristics

All workers ............................................................... 2 92 – –

Management, professional, and related .................. – 90 – 6

Management, business, and financial ................. – 92 – 5

Professional and related ...................................... – 89 – 6

Service ..................................................................... – 87 – 7

Sales and office ....................................................... – 93 – 3

Sales and related ................................................. – 95 – 1

Office and administrative support ........................ – 92 – 4

Natural resources, construction, and maintenance – 99 – 4 ( )

Installation, maintenance, and repair ................... – 98 – 1

Production, transportation, and material moving ..... – 97 – 2

Production ............................................................ – 99 – –

Transportation and material moving .................... – 96 – 4

Full time ................................................................... 2 93 – –

Part time .................................................................. – 86 – 4

Union ....................................................................... – 91 – 4

Nonunion ................................................................. – 93 – 4

Average wage within the following categories5:

Second 25 percent ............................................... – 90 – 4

Third 25 percent ................................................... – 93 – 4

Highest 25 percent ............................................... – 93 – 5

Highest 10 percent ........................................... – 97 – 4 ( )

Establishment characteristics

Goods-producing industries ..................................... – 100 – –

Manufacturing ...................................................... – 100 – –

Service-providing industries ..................................... 2 90 – –

Trade, transportation, and utilities ....................... – 95 – 3

Information ........................................................... – 92 – –

Financial activities ................................................ – 93 – –

Finance and insurance .................................... – 92 – –

Credit intermediation and related activities .. – 94 – –

Insurance carriers and related activities ...... – 86 – –

Professional and business services:

Professional and technical services ............... – 100 – –

Education and health services ............................. – 78 – 12

Educational services ........................................ – 95 – 5

Junior colleges, colleges, and universities ... – 90 – 9

Health care and social assistance ................... – 76 – 13

See footnotes at end of table.
Table 44. Vision care benefits:1

 Extent of coverage for selected services, private industry workers, 2015—continued

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

Characteristics

Eye exams Glasses

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

1 to 99 workers:

50 to 99 workers ................................................ – 97 – – – 100 – –

100 workers or more ................................................ 14 86 – – 9 91 – –

100 to 499 workers .............................................. 12 88 – – – 96 – –

500 workers or more ............................................ 16 84 – – 12 88 – –

Geographic areas

Northeast ................................................................. 20 80 – – 14 86 – –

New England ....................................................... – 79 – – – 76 – –

Middle Atlantic ..................................................... 20 80 – – – 88 – –

South ....................................................................... 9 91 – – 7 93 – –

South Atlantic ....................................................... – 90 – – 10 90 – –

East South Central ............................................... – 86 – – – 99 – –

West South Central .............................................. – 95 – – – 94 – –

Midwest .................................................................... 13 87 – – – 94 – –

East North Central ............................................... 16 84 – – – 92 – –

West North Central .............................................. 6 94 – – – 97 – –

West ......................................................................... – 93 – – – 97 – –

Mountain .............................................................. – 94 – – – 100 – –

See footnotes at end of table.
Table 44. Vision care benefits:1

 Extent of coverage for selected services,

private industry workers, 2015—continued

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

Characteristics

Contact lenses3

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

1 to 99 workers:

50 to 99 workers ................................................ – 84 – 13

100 workers or more ................................................ – 95 – 2

100 to 499 workers .............................................. – 99 – 4 ( )

500 workers or more ............................................ – 92 – 3

Geographic areas

Northeast ................................................................. – 90 – 2

New England ....................................................... – 100 – –

Middle Atlantic ..................................................... – 88 – 2

South ....................................................................... – 99 – 4 ( )

South Atlantic ....................................................... – 99 – 4 ( )

East South Central ............................................... – 98 – 1

West South Central .............................................. – 99 – –

Midwest .................................................................... – 97 – 1

East North Central ............................................... – 98 – 2

West North Central .............................................. – 95 – 1

West ......................................................................... – 85 – 10

Mountain .............................................................. – – – –

1 Includes plans with employer-provided discount cards if there is a cost to the employer. 2 Includes plans subject to copayment, cash allowance, and retail discount. 3 Includes plans that provide coverage for elective purchase of contact lenses; medically necessary contact lenses (for

cataract surgery, for example) normally are provided under the surgical portion of a medical plan and are not described in this

table. 4 Less than 0.5. 5 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may

include workers with earnings both above and below the threshold. The categories were formed using percentile estimates

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

March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 44. Standard errors for vision care benefits:1

 Extent of coverage for selected services, private industry workers,

2015

Characteristics

Eye exams Glasses

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Worker characteristics

All workers ............................................................... 1.4 1.4 – – 1.1 1.1 – –

Management, professional, and related .................. 2.1 2.1 – – 1.7 1.7 – –

Management, business, and financial ................. 1.5 1.5 – – – 1.7 – –

Professional and related ...................................... 2.9 2.9 – – 2.4 2.4 – –

Service ..................................................................... 3.8 3.8 – – – 3.8 – –

Sales and office ....................................................... 2.1 2.1 – – – 1.6 – –

Sales and related ................................................. – 1.5 – – – 2.3 – –

Office and administrative support ........................ 2.8 2.8 – – – 2.2 – –

Natural resources, construction, and maintenance – 4.0 – – – 2.2 – –

Installation, maintenance, and repair ................... 3.8 3.8 – – – 3.4 – –

Production, transportation, and material moving ..... 2.6 2.6 – – – 1.7 – –

Production ............................................................ 4.7 4.7 – – – 1.7 – –

Transportation and material moving .................... 2.5 2.5 – – – 2.7 – –

Full time ................................................................... 1.3 1.3 – – 1.1 1.1 – –

Part time .................................................................. – 5.8 – – – 2.2 – –

Union ....................................................................... 3.5 3.5 – – 2.4 2.4 – –

Nonunion ................................................................. 1.5 1.5 – – 1.1 1.1 – –

Average wage within the following categories4:

Second 25 percent ............................................... 3.6 3.6 – – – 2.4 – –

Third 25 percent ................................................... 1.9 1.9 – – 1.7 1.7 – –

Highest 25 percent ............................................... 1.9 1.9 – – 1.7 1.7 – –

Highest 10 percent ........................................... 1.9 1.9 – – – 1.7 – –

Establishment characteristics

Goods-producing industries ..................................... 2.4 2.4 – – – 0.8 – –

Manufacturing ...................................................... 2.8 2.8 – – – 0.8 – –

Service-providing industries ..................................... 1.6 1.6 – – 1.3 1.3 – –

Trade, transportation, and utilities ....................... 2.3 2.3 – – – 3.3 – –

Information ........................................................... – 3.9 – – – 1.6 – –

Financial activities ................................................ 4.1 4.1 – – – 1.4 – –

Finance and insurance .................................... 3.3 3.3 – – – 1.7 – –

Credit intermediation and related activities .. – 3.8 – – – 0.4 – –

Insurance carriers and related activities ...... 4.5 4.5 – – – 4.3 – –

Professional and business services:

Professional and technical services ............... – 1.9 – – – 5 () – –

Education and health services ............................. 4.6 4.6 – – 3.2 3.2 – –

Educational services ........................................ – 4.7 – – – 4.0 – –

Junior colleges, colleges, and universities ... – 7.3 – – – 6.7 – –

Health care and social assistance ................... 5.1 5.1 – – 3.6 3.6 – –

See footnotes at end of table.
Table 44. Standard errors for vision care benefits:1

 Extent of coverage for

selected services, private industry workers, 2015—continued

Characteristics

Contact lenses3

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Worker characteristics

All workers ............................................................... 0.5 1.9 – –

Management, professional, and related .................. – 3.4 – 3.5

Management, business, and financial ................. – 3.3 – 3.2

Professional and related ...................................... – 4.3 – 4.3

Service ..................................................................... – 4.1 – 3.8

Sales and office ....................................................... – 2.3 – 1.7

Sales and related ................................................. – 2.5 – 0.6

Office and administrative support ........................ – 3.3 – 2.5

Natural resources, construction, and maintenance – 0.8 – 0.5

Installation, maintenance, and repair ................... – 1.7 – 1.0

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

Production ............................................................ – 0.8 – –

Transportation and material moving .................... – 4.2 – 4.2

Full time ................................................................... 0.5 2.0 – –

Part time .................................................................. – 5.6 – 3.4

Union ....................................................................... – 1.4 – 0.5

Nonunion ................................................................. – 2.3 – 2.2

Average wage within the following categories4:

Second 25 percent ............................................... – 3.1 – 0.9

Third 25 percent ................................................... – 2.2 – 2.2

Highest 25 percent ............................................... – 2.8 – 2.9

Highest 10 percent ........................................... – 1.1 – 0.2

Establishment characteristics

Goods-producing industries ..................................... – 0.5 – –

Manufacturing ...................................................... – 5 () – –

Service-providing industries ..................................... 0.6 2.3 – –

Trade, transportation, and utilities ....................... – 3.0 – 2.2

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

Financial activities ................................................ – 2.0 – –

Finance and insurance .................................... – 2.5 – –

Credit intermediation and related activities .. – 3.1 – –

Insurance carriers and related activities ...... – 4.3 – –

Professional and business services:

Professional and technical services ............... – 5 () – –

Education and health services ............................. – 6.9 – 7.4

Educational services ........................................ – 1.4 – 1.2

Junior colleges, colleges, and universities ... – 1.6 – 1.3

Health care and social assistance ................... – 7.6 – 8.5

See footnotes at end of table.
Table 44. Standard errors for vision care benefits:1

 Extent of coverage for selected services, private industry workers,

2015—continued

Characteristics

Eye exams Glasses

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

1 to 99 workers:

50 to 99 workers ................................................ – 1.5 – – – 0.2 – –

100 workers or more ................................................ 2.0 2.0 – – 1.5 1.5 – –

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

500 workers or more ............................................ 3.4 3.4 – – 2.4 2.4 – –

Geographic areas

Northeast ................................................................. 3.8 3.8 – – 4.1 4.1 – –

New England ....................................................... – 11.5 – – – 13.4 – –

Middle Atlantic ..................................................... 4.4 4.4 – – – 4.2 – –

South ....................................................................... 2.2 2.2 – – 1.6 1.6 – –

South Atlantic ....................................................... – 3.3 – – 0.9 0.9 – –

East South Central ............................................... – 8.1 – – – 1.3 – –

West South Central .............................................. – 2.4 – – – 4.7 – –

Midwest .................................................................... 2.9 2.9 – – – 2.3 – –

East North Central ............................................... 4.3 4.3 – – – 3.4 – –

West North Central .............................................. 1.4 1.4 – – – 1.2 – –

West ......................................................................... – 2.3 – – – 1.2 – –

Mountain .............................................................. – 3.3 – – – 0.5 – –

See footnotes at end of table.
Table 44. Standard errors for vision care benefits:1

 Extent of coverage for

selected services, private industry workers, 2015—continued

Characteristics

Contact lenses3

Full

coverage

Coverage

with limits2

No

coverage

Not

determinable

1 to 99 workers:

50 to 99 workers ................................................ – 9.6 – 9.7

100 workers or more ................................................ – 0.8 – 0.2

100 to 499 workers .............................................. – 0.7 – 0.2

500 workers or more ............................................ – 1.6 – 0.4

Geographic areas

Northeast ................................................................. – 2.0 – 0.5

New England ....................................................... – 5 () – –

Middle Atlantic ..................................................... – 2.3 – 0.6

South ....................................................................... – 0.3 – 0.2

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

East South Central ............................................... – 0.3 – 0.8

West South Central .............................................. – 0.8 – –

Midwest .................................................................... – 1.2 – 0.9

East North Central ............................................... – 1.5 – 1.4

West North Central .............................................. – 2.0 – 0.6

West ......................................................................... – 4.9 – 4.9

Mountain .............................................................. – – – –

1 Includes plans with employer-provided discount cards if there is a cost to the employer. 2 Includes plans subject to copayment, cash allowance, and retail discount. 3 Includes plans that provide coverage for elective purchase of contact lenses; medically necessary contact lenses (for

cataract surgery, for example) normally are provided under the surgical portion of a medical plan and are not described in this

table. 4 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may

include workers with earnings both above and below the threshold. The categories were formed using percentile estimates

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

March 2015." 5 Less than 0.05.

Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans,

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

www.bls.gov/ncs/ebs/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 45. Vision care benefits:1

 Median copayments for selected services,

private industry workers, 2015

(Includes all workers participating in vision care plans)

Characteristics Eye exams Glasses Contact lenses2

Worker characteristics

All workers ............................................................... $10 $25 $25

Management, professional, and related .................. 10 25 25

Management, business, and financial ................. 10 25 25

Professional and related ...................................... 10 – 25

Service ..................................................................... – 25 25

Sales and office ....................................................... 10 – –

Sales and related ................................................. 10 25 25

Office and administrative support ........................ 10 20 15

Natural resources, construction, and maintenance – 20 25

Installation, maintenance, and repair ................... – 25 25

Production, transportation, and material moving ..... 10 20 25

Production ............................................................ 10 – 25

Transportation and material moving .................... 10 20 25

Full time ................................................................... 10 25 25

Part time .................................................................. 10 25 25

Union ....................................................................... 10 20 25

Nonunion ................................................................. 10 25 25

Average wage within the following categories3:

Second 25 percent ............................................... 10 25 –

Third 25 percent ................................................... 10 20 25

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

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

Establishment characteristics

Goods-producing industries ..................................... 10 – 25

Manufacturing ...................................................... 10 25 25

Service-providing industries ..................................... 10 25 25

Trade, transportation, and utilities ....................... 10 20 –

Information ........................................................... – 20 –

Financial activities ................................................ 10 20 –

Finance and insurance .................................... 10 – –

Credit intermediation and related activities .. 10 – –

Professional and business services:

Professional and technical services ............... 10 25 25

Education and health services ............................. 10 20 –

Educational services ........................................ 10 25 10

Junior colleges, colleges, and universities ... 10 25 –

Health care and social assistance ................... 10 20 –

See footnotes at end of table.
Table 45. Vision care benefits:1

 Median copayments for selected services,

private industry workers, 2015—continued

(Includes all workers participating in vision care plans)

Characteristics Eye exams Glasses Contact lenses2

1 to 99 workers:

50 to 99 workers ................................................ $10 $15 $25

100 workers or more ................................................ 10 25 25

100 to 499 workers .............................................. 10 25 25

500 workers or more ............................................ 10 – 25

Geographic areas

Northeast ................................................................. 10 20 –

New England ....................................................... 10 20 25

Middle Atlantic ..................................................... 10 20 –

South ....................................................................... 10 20 25

South Atlantic ....................................................... 10 – 25

West South Central .............................................. – 25 25

Midwest .................................................................... 10 25 25

East North Central ............................................... 10 25 25

West North Central .............................................. 10 25 25

West ......................................................................... 10 25 25

Mountain .............................................................. 10 – –

1 Includes plans with employer-provided discount cards if there is a cost to the employer. 2 Includes plans that provide coverage for elective purchase of contact lenses; medically necessary contact lenses (for

cataract surgery, for example) normally are provided under the surgical portion of a medical plan and are not described in

this table. 3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may

include workers with earnings both above and below the threshold. The categories were formed using percentile estimates

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

March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 45. Standard errors for vision care benefits:1

 Median copayments for

selected services, private industry workers, 2015

Characteristics Eye exams Glasses Contact lenses2

Worker characteristics

All workers ............................................................... $0 $6 $0

Management, professional, and related .................. 0 5 0

Management, business, and financial ................. 0 4 0

Professional and related ...................................... 0 – 3

Service ..................................................................... – 0 0

Sales and office ....................................................... 1 – –

Sales and related ................................................. 0 6 0

Office and administrative support ........................ 3 5 3

Natural resources, construction, and maintenance – 5 2

Installation, maintenance, and repair ................... – 5 1

Production, transportation, and material moving ..... 0 2 0

Production ............................................................ 1 – 0

Transportation and material moving .................... 0 2 3

Full time ................................................................... 0 7 0

Part time .................................................................. 0 1 0

Union ....................................................................... 0 4 0

Nonunion ................................................................. 0 5 0

Average wage within the following categories3:

Second 25 percent ............................................... 0 7 –

Third 25 percent ................................................... 0 4 0

Highest 25 percent ............................................... 0 7 0

Highest 10 percent ........................................... 0 6 0

Establishment characteristics

Goods-producing industries ..................................... 0 – 2

Manufacturing ...................................................... 0 6 0

Service-providing industries ..................................... 0 5 0

Trade, transportation, and utilities ....................... 0 4 –

Information ........................................................... – 5 –

Financial activities ................................................ 0 4 –

Finance and insurance .................................... 0 – –

Credit intermediation and related activities .. 0 – –

Professional and business services:

Professional and technical services ............... 1 1 0

Education and health services ............................. 0 5 –

Educational services ........................................ 0 0 0

Junior colleges, colleges, and universities ... 0 7 –

Health care and social assistance ................... 0 4 –

See footnotes at end of table.
Table 45. Standard errors for vision care benefits:1

 Median copayments for

selected services, private industry workers, 2015—continued

Characteristics Eye exams Glasses Contact lenses2

1 to 99 workers:

50 to 99 workers ................................................ $0 $4 $7

100 workers or more ................................................ 0 1 2

100 to 499 workers .............................................. 0 1 2

500 workers or more ............................................ 2 – 3

Geographic areas

Northeast ................................................................. 0 2 –

New England ....................................................... 3 0 0

Middle Atlantic ..................................................... 0 2 –

South ....................................................................... 1 0 1

South Atlantic ....................................................... 0 – 5

West South Central .............................................. – 6 0

Midwest .................................................................... 0 0 0

East North Central ............................................... 0 0 2

West North Central .............................................. 0 2 0

West ......................................................................... 0 3 0

Mountain .............................................................. 0 – –

1 Includes plans with employer-provided discount cards if there is a cost to the employer. 2 Includes plans that provide coverage for elective purchase of contact lenses; medically necessary contact lenses (for

cataract surgery, for example) normally are provided under the surgical portion of a medical plan and are not described in

this table. 3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may

include workers with earnings both above and below the threshold. The categories were formed using percentile estimates

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

March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 46. Defined benefit plans: Availability and eligibility requirements for open plans,1

 private industry workers, 2015

(All workers participating in defined benefit plans = 100 percent)

Characteristics

Plans open to

new

employees

Open to new employees

Plans not

open to new

employees

Not

determinable

Minimum

age and

service

requirement

Minimum

age only

requirement

Minimum

service only

requirement

No minimum

age or

service

requirement

Age and

service

requirement

not

determinable

Worker characteristics

All workers ............................................................... 59 17 – 27 13 – 40 1

Management, professional, and related .................. 52 16 – 21 11 – 48 2 ( )

Management, business, and financial ................. 54 14 – 30 – – 46 2 ( )

Professional and related ...................................... 50 18 – 14 13 – 50 –

Service ..................................................................... 78 – – 42 14 – 22 –

Sales and office ....................................................... 55 21 – 19 – – 45 –

Sales and related ................................................. 51 – – 10 – – 49 –

Office and administrative support ........................ 57 24 – 22 8 – 43 –

Natural resources, construction, and maintenance 72 – – 48 19 – 27 1

Construction, extraction, farming, fishing, and

forestry ............................................................... 82 – – 60 22 – – –

Installation, maintenance, and repair ................... 59 – – 32 – – 40 2

Production, transportation, and material moving ..... 59 18 – 29 11 – 37 4

Production ............................................................ 42 – – 19 – – 51 6

Transportation and material moving .................... 73 26 – 38 – – 25 2

Full time ................................................................... 57 14 – 28 13 – 42 1

Part time .................................................................. 75 42 – 21 12 – 25 1

Union ....................................................................... 75 11 – 47 17 – 23 2

Nonunion ................................................................. 48 20 – 15 10 – 51 2 ( )

Average wage within the following categories3:

Lowest 25 percent ............................................... 58 28 – 19 – – 39 3

Second 25 percent ............................................... 66 27 – 29 9 – 34 2 ( )

Third 25 percent ................................................... 57 17 – 27 12 – 42 2

Highest 25 percent ............................................... 57 11 – 28 14 – 42 1

Highest 10 percent ........................................... 55 7 – 28 – – 45 2 ( )

Establishment characteristics

Goods-producing industries ..................................... 43 – – 27 11 – 54 2

Construction ......................................................... 84 – – 61 23 – – –

Manufacturing ...................................................... 30 – – 16 – – 67 3

Service-providing industries ..................................... 63 21 – 27 13 – 36 1

Trade, transportation, and utilities ....................... 68 30 – 29 9 – 30 2

Wholesale trade ............................................... 70 48 – – – – – –

Retail trade ...................................................... 61 35 – – – – 37 2

Transportation and warehousing ..................... 76 – – 46 – – – –

Utilities ............................................................. 56 – – – – – 44 –

Information ........................................................... 48 – – – – – 52 –

Financial activities ................................................ 57 24 – 26 – – 43 –

Finance and insurance .................................... 55 25 – 24 – – 45 –

Credit intermediation and related activities .. 59 19 – – – – 41 –

Insurance carriers and related activities ...... 58 34 – – – – 42 –

Professional and business services ..................... 63 – – – – – 37 –

Education and health services ............................. 58 23 – – 19 – 42 –

Educational services ........................................ 44 – – – – – 56 –

Junior colleges, colleges, and universities ... 59 41 – – – – 41 –

Health care and social assistance ................... 61 – – – – – 39 –

See footnotes at end of table.
Table 46. Defined benefit plans: Availability and eligibility requirements for open plans,1

 private industry workers,

2015—continued

(All workers participating in defined benefit plans = 100 percent)

Characteristics

Plans open to

new

employees

Open to new employees

Plans not

open to new

employees

Not

determinable

Minimum

age and

service

requirement

Minimum

age only

requirement

Minimum

service only

requirement

No minimum

age or

service

requirement

Age and

service

requirement

not

determinable

1 to 99 workers ........................................................ 64 16 – 34 – – 36 1

1 to 49 workers .................................................... 64 18 – 36 – – 36 2 ( )

50 to 99 workers .................................................. 63 14 – 32 – – 36 1

100 workers or more ................................................ 57 17 – 24 13 – 42 1

100 to 499 workers .............................................. 60 16 – 29 14 – 40 –

500 workers or more ............................................ 54 17 – 21 11 – 44 2

Geographic areas

Northeast ................................................................. 63 20 – 32 9 – 37 2 ( )

New England ....................................................... 59 – – 34 – – 41 –

Middle Atlantic ..................................................... 64 20 – 32 12 – 35 1

South ....................................................................... 50 11 – 24 – – 49 1

South Atlantic ....................................................... 52 – – 27 – – 48 2 ( )

East South Central ............................................... 56 – – – – – 44 –

West South Central .............................................. 40 – – 26 – – 58 2

Midwest .................................................................... 69 21 – 28 18 – 28 3

East North Central ............................................... 71 17 – 30 22 – – –

West North Central .............................................. 64 – – 25 – – 33 3

West ......................................................................... 55 17 – 25 12 – 45 –

Mountain .............................................................. 62 – – – – – 38 –

Pacific .................................................................. 53 16 – 23 14 – 47 –

1 A typical minimum age requirement is 21 years and service requirement is 12 months. See glossary for additional information on requirements. 2 Less than 0.5. 3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 46. Standard errors for defined benefit plans: Availability and eligibility requirements for open plans,1

 private industry

workers, 2015

Characteristics

Plans open to

new

employees

Open to new employees

Plans not

open to new

employees

Not

determinable Minimum age

and service

requirement

Minimum age

only

requirement

Minimum

service only

requirement

No minimum

age or

service

requirement

Age and

service

requirement

not

determinable

Worker characteristics

All workers ............................................................... 2.3 1.8 – 2.3 1.9 – 2.4 0.4

Management, professional, and related .................. 4.3 3.1 – 4.3 2.9 – 4.3 2 ( )

Management, business, and financial ................. 5.9 3.8 – 7.6 – – 5.9 0.1

Professional and related ...................................... 4.8 4.1 – 3.5 3.9 – 4.8 –

Service ..................................................................... 5.2 – – 8.4 3.6 – 5.2 –

Sales and office ....................................................... 4.6 2.4 – 3.2 – – 4.6 –

Sales and related ................................................. 14.0 – – 3.0 – – 14.0 –

Office and administrative support ........................ 3.1 2.6 – 4.1 1.8 – 3.1 –

Natural resources, construction, and maintenance 4.1 – – 4.8 2.9 – 4.0 1.3

Construction, extraction, farming, fishing, and

forestry ............................................................... 6.1 – – 6.4 3.1 – – –

Installation, maintenance, and repair ................... 6.2 – – 7.2 – – 6.1 1.7

Production, transportation, and material moving ..... 5.2 2.8 – 4.3 3.1 – 5.9 1.6

Production ............................................................ 8.1 – – 5.0 – – 10.1 3.0

Transportation and material moving .................... 5.1 4.4 – 6.2 – – 5.1 1.7

Full time ................................................................... 2.6 1.7 – 2.5 2.1 – 2.7 0.5

Part time .................................................................. 4.7 5.8 – 4.5 3.2 – 4.6 0.5

Union ....................................................................... 3.2 2.2 – 3.6 2.3 – 3.3 1.0

Nonunion ................................................................. 3.5 2.4 – 2.8 2.8 – 3.5 0.2

Average wage within the following categories3:

Lowest 25 percent ............................................... 7.1 6.1 – 5.4 – – 6.8 2.5

Second 25 percent ............................................... 3.9 3.6 – 4.2 2.1 – 3.9 0.2

Third 25 percent ................................................... 3.4 2.1 – 3.3 2.1 – 3.6 1.1

Highest 25 percent ............................................... 3.5 2.1 – 3.7 3.3 – 3.5 0.5

Highest 10 percent ........................................... 5.1 1.8 – 5.6 – – 5.1 0.1

Establishment characteristics

Goods-producing industries ..................................... 5.7 – – 3.8 2.4 – 6.3 1.4

Construction ......................................................... 6.1 – – 6.3 3.8 – – –

Manufacturing ...................................................... 5.5 – – 3.5 – – 6.3 1.9

Service-providing industries ..................................... 2.1 2.3 – 2.8 2.4 – 2.1 0.3

Trade, transportation, and utilities ....................... 4.2 3.8 – 3.3 1.6 – 4.0 1.0

Wholesale trade ............................................... 9.2 7.8 – – – – – –

Retail trade ...................................................... 7.3 6.1 – – – – 7.3 1.2

Transportation and warehousing ..................... 7.6 – – 7.2 – – – –

Utilities ............................................................. 7.7 – – – – – 7.7 –

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

Financial activities ................................................ 3.3 2.7 – 3.3 – – 3.3 –

Finance and insurance .................................... 3.7 3.0 – 4.9 – – 3.7 –

Credit intermediation and related activities .. 5.1 3.7 – – – – 5.1 –

Insurance carriers and related activities ...... 6.3 5.2 – – – – 6.3 –

Professional and business services ..................... 10.6 – – – – – 10.6 –

Education and health services ............................. 5.3 6.4 – – 5.0 – 5.3 –

Educational services ........................................ 8.5 – – – – – 8.5 –

Junior colleges, colleges, and universities ... 5.0 5.4 – – – – 5.0 –

Health care and social assistance ................... 5.8 – – – – – 5.8 –

See footnotes at end of table.
Table 46. Standard errors for defined benefit plans: Availability and eligibility requirements for open plans,1

 private industry

workers, 2015—continued

Characteristics

Plans open to

new

employees

Open to new employees

Plans not

open to new

employees

Not

determinable Minimum age

and service

requirement

Minimum age

only

requirement

Minimum

service only

requirement

No minimum

age or

service

requirement

Age and

service

requirement

not

determinable

1 to 99 workers ........................................................ 4.0 2.3 – 3.4 – – 4.0 0.3

1 to 49 workers .................................................... 4.7 4.0 – 4.4 – – 4.7 0.2

50 to 99 workers .................................................. 7.0 3.9 – 7.4 – – 6.9 0.8

100 workers or more ................................................ 3.0 2.3 – 2.9 1.9 – 3.1 0.6

100 to 499 workers .............................................. 4.7 2.6 – 6.7 2.7 – 4.7 –

500 workers or more ............................................ 3.6 3.3 – 2.3 2.9 – 3.7 0.9

Geographic areas

Northeast ................................................................. 3.7 3.9 – 4.2 2.1 – 3.8 0.3

New England ....................................................... 8.2 – – 7.0 – – 8.2 –

Middle Atlantic ..................................................... 4.2 4.6 – 5.7 3.0 – 4.3 0.4

South ....................................................................... 4.1 2.6 – 4.1 – – 4.1 0.5

South Atlantic ....................................................... 5.2 – – 4.9 – – 5.2 0.1

East South Central ............................................... 11.3 – – – – – 11.3 –

West South Central .............................................. 5.6 – – 6.2 – – 6.6 2.3

Midwest .................................................................... 5.5 3.9 – 6.1 4.4 – 5.9 1.4

East North Central ............................................... 7.2 3.0 – 7.9 5.8 – – –

West North Central .............................................. 5.8 – – 6.9 – – 4.9 2.5

West ......................................................................... 4.9 4.2 – 2.8 3.1 – 4.9 –

Mountain .............................................................. 6.0 – – – – – 6.0 –

Pacific .................................................................. 5.9 4.7 – 3.4 3.7 – 5.9 –

1 A typical minimum age requirement is 21 years and service requirement is 12 months. See glossary for additional information on requirements. 2 Less than 0.05. 3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 47. Defined benefit plans: Plan sponsor,1

 private industry workers, 2015

(All workers participating in selected defined benefit plans = 100 percent)

Characteristics

All defined benefit plans2 Traditional defined benefit

plans4

Nontraditional defined benefit

plans5

Single

employer

sponsor

Multi-employer

sponsor3

Single

employer

sponsor

Multi-employer

sponsor3

Single

employer

sponsor

Multi-employer

sponsor3

Worker characteristics

All workers ............................................................... 80 18 71 26 100 –

Management, professional, and related .................. 93 – 87 – 100 –

Management, business, and financial ................. 91 – 83 – 100 –

Professional and related ...................................... 94 – 89 – 100 –

Service ..................................................................... 52 48 38 62 100 –

Sales and office ....................................................... 84 15 75 25 100 –

Sales and related ................................................. 76 – 71 – 100 –

Office and administrative support ........................ 88 12 77 22 100 –

Natural resources, construction, and maintenance 54 42 46 49 96 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 26 68 19 75 – –

Installation, maintenance, and repair ................... 89 – 85 – 100 –

Production, transportation, and material moving ..... 80 16 75 20 100 –

Production ............................................................ 86 14 81 19 100 –

Transportation and material moving .................... 76 – 72 – 100 –

Full time ................................................................... 83 15 74 23 100 –

Part time .................................................................. 59 41 49 51 100 –

Union ....................................................................... 53 43 47 48 98 –

Nonunion ................................................................. 97 – 95 – 100 –

Average wage within the following categories6:

Lowest 25 percent ............................................... 61 39 47 53 – –

Second 25 percent ............................................... 75 24 61 39 100 –

Third 25 percent ................................................... 84 14 78 20 100 –

Highest 25 percent ............................................... 83 14 74 22 100 –

Highest 10 percent ........................................... 86 – 76 – 100 –

Establishment characteristics

Goods-producing industries ..................................... 76 23 69 29 99 –

Construction ......................................................... 27 68 – 78 – –

Manufacturing ...................................................... 92 – 89 – 100 –

Service-providing industries ..................................... 82 16 71 25 100 –

Trade, transportation, and utilities ....................... 71 24 65 30 100 –

Retail trade ...................................................... 43 57 29 71 – –

Transportation and warehousing ..................... 77 – 74 – – –

Utilities ............................................................. 97 – 95 – 100 –

Information ........................................................... 100 – 100 – – –

Financial activities ................................................ 96 – 89 – 100 –

Finance and insurance .................................... 100 – 100 – 100 –

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

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

Professional and business services ..................... 95 – – – – –

Education and health services ............................. 91 – 85 – 100 –

Educational services ........................................ 79 – 66 – – –

Junior colleges, colleges, and universities ... 97 – 96 – – –

Health care and social assistance ................... 93 – 88 – 100 –

See footnotes at end of table.
Table 47. Defined benefit plans: Plan sponsor,1

 private industry workers, 2015—continued

(All workers participating in selected defined benefit plans = 100 percent)

Characteristics

All defined benefit plans2 Traditional defined benefit

plans4

Nontraditional defined benefit

plans5

Single

employer

sponsor

Multi-employer

sponsor3

Single

employer

sponsor

Multi-employer

sponsor3

Single

employer

sponsor

Multi-employer

sponsor3

1 to 99 workers ........................................................ 71 26 64 33 99 –

1 to 49 workers .................................................... 76 24 69 31 98 –

50 to 99 workers .................................................. 62 30 57 34 – –

100 workers or more ................................................ 84 15 74 24 100 –

100 to 499 workers .............................................. 85 14 77 22 100 –

500 workers or more ............................................ 83 15 73 25 100 –

Geographic areas

Northeast ................................................................. 75 22 64 32 99 –

New England ....................................................... 69 – 56 – 97 –

Middle Atlantic ..................................................... 78 22 67 33 100 –

South ....................................................................... 88 10 83 15 100 –

South Atlantic ....................................................... 85 13 79 19 100 –

West South Central .............................................. 91 – 86 – 100 –

Midwest .................................................................... 78 20 64 34 100 –

East North Central ............................................... 79 21 61 39 100 –

West North Central .............................................. 76 20 69 26 100 –

West ......................................................................... 74 23 63 33 100 –

Mountain .............................................................. 70 – – – 100 –

Pacific .................................................................. 75 22 65 30 100 –

1 Sum of single- and multi-employer sponsor may not equal 100 percent as other plan sponsor types are not included (e.g., employer associations, railroad retirement

boards). 2 All workers participating in defined benefit plans = 100 percent. 3 Plans established by a labor organization and provided to employees of two or more unrelated companies in accordance with a collective bargaining agreement. 4 All workers participating in traditional defined benefit plans = 100 percent. See glossary for definition of traditional plans. 5 All workers participating in nontraditional defined benefit plans = 100 percent. See glossary for definition of nontraditional plans. 6 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and

below the threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 47. Standard errors for defined benefit plans: Plan sponsor, private industry workers, 2015

Characteristics

All defined benefit plans Traditional defined benefit

plans2

Nontraditional defined benefit

plans3

Single

employer

sponsor

Multi-employer

sponsor1

Single

employer

sponsor

Multi-employer

sponsor1

Single

employer

sponsor

Multi-employer

sponsor1

Worker characteristics

All workers ............................................................... 1.9 1.7 2.5 2.4 0.2 –

Management, professional, and related .................. 2.3 – 3.8 – 0.0 –

Management, business, and financial ................. 3.2 – 5.3 – 0.0 –

Professional and related ...................................... 3.1 – 5.1 – 0.0 –

Service ..................................................................... 7.4 7.4 8.5 8.5 0.0 –

Sales and office ....................................................... 2.5 2.4 3.9 3.7 0.0 –

Sales and related ................................................. 6.7 – 8.7 – 0.0 –

Office and administrative support ........................ 2.4 2.2 4.3 3.9 0.0 –

Natural resources, construction, and maintenance 4.8 5.8 5.3 7.0 3.9 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 7.1 9.8 5.3 8.9 – –

Installation, maintenance, and repair ................... 4.6 – 5.7 – 0.0 –

Production, transportation, and material moving ..... 3.6 3.6 4.3 4.4 0.0 –

Production ............................................................ 4.1 4.1 5.5 5.5 0.0 –

Transportation and material moving .................... 5.2 – 6.1 – 0.0 –

Full time ................................................................... 1.9 1.7 2.6 2.4 0.2 –

Part time .................................................................. 4.7 4.7 4.9 4.9 0.0 –

Union ....................................................................... 4.0 4.2 4.4 4.7 1.6 –

Nonunion ................................................................. 1.3 – 2.3 – 0.0 –

Average wage within the following categories4:

Lowest 25 percent ............................................... 6.3 6.3 9.5 9.5 – –

Second 25 percent ............................................... 4.0 4.0 5.6 5.6 0.0 –

Third 25 percent ................................................... 2.6 2.3 3.6 3.2 0.0 –

Highest 25 percent ............................................... 3.2 3.1 4.1 4.2 0.4 –

Highest 10 percent ........................................... 3.7 – 5.5 – 0.0 –

Establishment characteristics

Goods-producing industries ..................................... 3.5 3.7 4.8 5.0 1.2 –

Construction ......................................................... 7.8 10.3 – 9.6 – –

Manufacturing ...................................................... 3.2 – 4.3 – 0.0 –

Service-providing industries ..................................... 2.1 1.8 2.7 2.4 0.0 –

Trade, transportation, and utilities ....................... 3.8 3.7 4.8 4.8 0.0 –

Retail trade ...................................................... 7.6 7.6 7.9 7.9 – –

Transportation and warehousing ..................... 7.2 – 8.3 – – –

Utilities ............................................................. 3.4 – 5.0 – 0.0 –

Information ........................................................... 0.0 – 0.0 – – –

Financial activities ................................................ 3.2 – 7.4 – 0.0 –

Finance and insurance .................................... 0.0 – 0.0 – 0.0 –

Credit intermediation and related activities .. 0.0 – 0.0 – 0.0 –

Insurance carriers and related activities ...... 0.0 – 0.0 – 0.0 –

Professional and business services ..................... 6.1 – – – – –

Education and health services ............................. 3.2 – 4.9 – 0.0 –

Educational services ........................................ 12.7 – 16.3 – – –

Junior colleges, colleges, and universities ... 2.3 – 2.7 – – –

Health care and social assistance ................... 2.7 – 4.3 – 0.0 –

See footnotes at end of table.
Table 47. Standard errors for defined benefit plans: Plan sponsor, private industry workers,

2015—continued

Characteristics

All defined benefit plans Traditional defined benefit

plans2

Nontraditional defined benefit

plans3

Single

employer

sponsor

Multi-employer

sponsor1

Single

employer

sponsor

Multi-employer

sponsor1

Single

employer

sponsor

Multi-employer

sponsor1

1 to 99 workers ........................................................ 3.8 3.9 4.8 4.9 1.3 –

1 to 49 workers .................................................... 4.4 4.4 5.7 5.7 1.6 –

50 to 99 workers .................................................. 7.8 7.4 9.0 8.6 – –

100 workers or more ................................................ 1.9 1.7 2.8 2.6 0.0 –

100 to 499 workers .............................................. 2.6 2.5 4.5 4.3 0.0 –

500 workers or more ............................................ 2.7 2.4 3.7 3.6 0.0 –

Geographic areas

Northeast ................................................................. 4.3 4.1 5.5 5.2 1.0 –

New England ....................................................... 6.8 – 10.0 – 3.6 –

Middle Atlantic ..................................................... 6.5 6.5 8.3 8.3 0.0 –

South ....................................................................... 2.9 2.2 3.5 2.9 0.0 –

South Atlantic ....................................................... 4.1 2.8 5.0 3.8 0.0 –

West South Central .............................................. 7.3 – 9.9 – 0.0 –

Midwest .................................................................... 3.0 2.9 4.8 4.8 0.0 –

East North Central ............................................... 3.6 3.6 6.8 6.8 0.0 –

West North Central .............................................. 5.6 4.6 5.8 5.1 0.0 –

West ......................................................................... 5.1 5.2 7.4 7.3 0.0 –

Mountain .............................................................. 5.6 – – – 0.0 –

Pacific .................................................................. 6.2 6.3 8.6 8.6 0.0 –

1 Plans established by a labor organization and provided to employees of two or more unrelated companies in accordance with a collective bargaining agreement. 2 See glossary for definition of traditional plans. 3 See glossary for definition of nontraditional plans. 4 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and

below the threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 48. Defined benefit plans: Primary formula, private industry workers, 2015

(All workers participating in defined benefit plans = 100 percent)

Characteristics Traditional

Traditional plan formula

Nontraditional

Nontraditional plan formula

Percent of

terminal

earnings

Dollar times

years1

Percent

of career

earnings

Percent of

employer

contribution

Cash

balance

Pension

equity Other

Worker characteristics

All workers ............................................................... 67 37 17 7 6 33 33 – –

Management, professional, and related .................. 54 44 – 9 – 46 45 – –

Management, business, and financial ................. 51 38 – – – 49 49 – –

Professional and related ...................................... 57 47 – – – 43 43 – –

Service ..................................................................... 78 38 – – – 22 22 – –

Sales and office ....................................................... 62 40 10 – – 38 38 – –

Sales and related ................................................. 82 50 – – – 18 18 – –

Office and administrative support ........................ 54 36 – 6 – 46 45 – –

Natural resources, construction, and maintenance 84 23 40 – – 16 16 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... – – 48 – 24 – – – –

Installation, maintenance, and repair ................... – 31 – – – – – – –

Production, transportation, and material moving ..... 81 27 37 – – 19 19 – –

Production ............................................................ 75 29 28 – – 25 25 – –

Transportation and material moving .................... 85 26 45 – – 15 15 – –

Full time ................................................................... 65 38 15 7 5 35 34 – –

Part time .................................................................. 81 21 41 – – 19 19 – –

Union ....................................................................... 89 29 42 – – 11 11 – –

Nonunion ................................................................. 54 41 – 10 – 46 46 – –

Average wage within the following categories2:

Lowest 25 percent ............................................... 73 – 25 – – 27 27 – –

Second 25 percent ............................................... 63 25 21 – – 37 37 – –

Third 25 percent ................................................... 72 40 20 8 4 28 28 – –

Highest 25 percent ............................................... 64 41 13 – – 36 35 – –

Highest 10 percent ........................................... 60 44 – – – 40 40 – –

Establishment characteristics

Goods-producing industries ..................................... 77 35 26 – – 23 23 – –

Construction ......................................................... – – 44 – 23 – – – –

Manufacturing ...................................................... 73 41 20 – – 27 27 – –

Service-providing industries ..................................... 64 37 15 7 5 36 36 – –

Trade, transportation, and utilities ....................... 81 31 33 – – 19 19 – –

Retail trade ...................................................... – – 37 – – – – – –

Transportation and warehousing ..................... – 34 – – – – – – –

Utilities ............................................................. 67 67 – – – 33 33 – –

Financial activities ................................................ 37 30 – – – 63 62 – –

Finance and insurance .................................... 34 31 – – – 66 65 – –

Credit intermediation and related activities .. 26 25 – – – 74 72 – –

Insurance carriers and related activities ...... 44 42 – – – 56 55 – –

Professional and business services ..................... 47 – – – – 53 53 – –

Education and health services ............................. 64 54 – – – 36 36 – –

Educational services ........................................ – 53 – – – – – – –

Junior colleges, colleges, and universities ... – 57 – 25 – – – – –

Health care and social assistance ................... 64 54 – – – 36 36 – –

See footnotes at end of table.
Table 48. Defined benefit plans: Primary formula, private industry workers, 2015—continued

(All workers participating in defined benefit plans = 100 percent)

Characteristics Traditional

Traditional plan formula

Nontraditional

Nontraditional plan formula

Percent of

terminal

earnings

Dollar times

years1

Percent

of career

earnings

Percent of

employer

contribution

Cash

balance

Pension

equity Other

1 to 99 workers ........................................................ 80 47 21 – – 20 20 – –

1 to 49 workers .................................................... 74 43 16 – – 26 25 – –

50 to 99 workers .................................................. – 52 28 – – – – – –

100 workers or more ................................................ 62 33 16 7 7 38 38 – –

100 to 499 workers .............................................. 63 34 15 – – 37 37 – –

500 workers or more ............................................ 62 32 17 – – 38 38 – –

Geographic areas

Northeast ................................................................. 67 33 20 – – 33 33 – –

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

Middle Atlantic ..................................................... 66 32 21 – – 34 34 – –

South ....................................................................... 71 47 14 – – 29 29 – –

South Atlantic ....................................................... 70 44 16 – – 30 30 – –

East South Central ............................................... 86 65 – – – 14 12 – –

West South Central .............................................. 62 42 5 – – 38 38 – –

Midwest .................................................................... 60 24 16 – – 40 40 – –

East North Central ............................................... 53 18 – – 13 47 47 – –

West North Central .............................................. 76 37 26 – – 24 24 – –

West ......................................................................... 71 40 22 – – 29 29 – –

Mountain .............................................................. 61 25 – – – 39 39 – –

Pacific .................................................................. 73 43 24 – – 27 27 – –

1 Benefits are based on a dollar amount per month for each year of service recognized by the plan. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 48. Standard errors for defined benefit plans: Primary formula, private industry workers, 2015

Characteristics Traditional

Traditional plan formula

Nontraditional

Nontraditional plan formula

Percent of

terminal

earnings

Dollar times

years1

Percent

of career

earnings

Percent of

employer

contribution

Cash

balance

Pension

equity Other

Worker characteristics

All workers ............................................................... 2.7 2.7 1.6 1.4 1.1 2.7 2.7 – –

Management, professional, and related .................. 4.9 4.7 – 2.5 – 4.9 4.9 – –

Management, business, and financial ................. 7.4 6.0 – – – 7.4 7.4 – –

Professional and related ...................................... 5.3 5.5 – – – 5.3 5.3 – –

Service ..................................................................... 5.6 7.3 – – – 5.6 5.6 – –

Sales and office ....................................................... 3.3 4.0 2.8 – – 3.3 3.3 – –

Sales and related ................................................. 5.2 10.3 – – – 5.2 5.2 – –

Office and administrative support ........................ 3.3 3.5 – 1.3 – 3.3 3.3 – –

Natural resources, construction, and maintenance 4.0 4.5 6.0 – – 4.0 3.9 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... – – 10.4 – 6.0 – – – –

Installation, maintenance, and repair ................... – 5.0 – – – – – – –

Production, transportation, and material moving ..... 3.6 3.2 4.9 – – 3.6 3.6 – –

Production ............................................................ 4.8 4.7 5.2 – – 4.8 4.8 – –

Transportation and material moving .................... 3.9 5.0 7.6 – – 3.9 3.9 – –

Full time ................................................................... 2.9 2.9 1.5 1.5 1.1 2.9 2.9 – –

Part time .................................................................. 4.1 3.7 7.1 – – 4.1 4.1 – –

Union ....................................................................... 1.8 3.9 4.0 – – 1.8 1.8 – –

Nonunion ................................................................. 3.5 3.7 – 2.3 – 3.5 3.5 – –

Average wage within the following categories2:

Lowest 25 percent ............................................... 6.5 – 5.9 – – 6.5 6.5 – –

Second 25 percent ............................................... 4.4 2.7 4.5 – – 4.4 4.4 – –

Third 25 percent ................................................... 2.5 3.6 2.4 2.0 1.2 2.5 2.5 – –

Highest 25 percent ............................................... 4.7 4.2 2.5 – – 4.7 4.7 – –

Highest 10 percent ........................................... 6.5 6.7 – – – 6.5 6.5 – –

Establishment characteristics

Goods-producing industries ..................................... 2.7 4.0 3.6 – – 2.7 2.6 – –

Construction ......................................................... – – 10.9 – 6.1 – – – –

Manufacturing ...................................................... 4.0 5.4 3.9 – – 4.0 4.0 – –

Service-providing industries ..................................... 3.4 3.2 1.7 1.6 1.3 3.4 3.4 – –

Trade, transportation, and utilities ....................... 2.6 3.3 4.4 – – 2.6 2.6 – –

Retail trade ...................................................... – – 9.4 – – – – – –

Transportation and warehousing ..................... – 7.4 – – – – – – –

Utilities ............................................................. 8.4 8.4 – – – 8.4 8.4 – –

Financial activities ................................................ 5.5 3.6 – – – 5.5 5.5 – –

Finance and insurance .................................... 4.1 4.1 – – – 4.1 4.2 – –

Credit intermediation and related activities .. 4.5 4.6 – – – 4.5 5.3 – –

Insurance carriers and related activities ...... 6.4 6.7 – – – 6.4 6.1 – –

Professional and business services ..................... 13.0 – – – – 13.0 13.0 – –

Education and health services ............................. 6.5 6.5 – – – 6.5 6.5 – –

Educational services ........................................ – 14.3 – – – – – – –

Junior colleges, colleges, and universities ... – 5.3 – 4.5 – – – – –

Health care and social assistance ................... 7.2 7.2 – – – 7.2 7.2 – –

See footnotes at end of table.
Table 48. Standard errors for defined benefit plans: Primary formula, private industry workers, 2015—continued

Characteristics Traditional

Traditional plan formula

Nontraditional

Nontraditional plan formula

Percent of

terminal

earnings

Dollar times

years1

Percent

of career

earnings

Percent of

employer

contribution

Cash

balance

Pension

equity Other

1 to 99 workers ........................................................ 4.0 4.9 2.9 – – 4.0 4.0 – –

1 to 49 workers .................................................... 4.7 4.7 3.6 – – 4.7 4.7 – –

50 to 99 workers .................................................. – 10.0 7.0 – – – – – –

100 workers or more ................................................ 3.2 2.9 1.8 1.6 1.4 3.2 3.2 – –

100 to 499 workers .............................................. 5.2 5.5 2.6 – – 5.2 5.2 – –

500 workers or more ............................................ 3.9 3.4 2.6 – – 3.9 3.9 – –

Geographic areas

Northeast ................................................................. 4.8 3.7 2.8 – – 4.8 4.8 – –

New England ....................................................... – 7.7 – – – – – – –

Middle Atlantic ..................................................... 5.1 4.1 3.5 – – 5.1 5.1 – –

South ....................................................................... 4.3 5.0 2.7 – – 4.3 4.3 – –

South Atlantic ....................................................... 5.7 6.2 3.1 – – 5.7 5.7 – –

East South Central ............................................... 3.7 13.8 – – – 3.7 2.5 – –

West South Central .............................................. 10.8 6.7 1.0 – – 10.8 10.8 – –

Midwest .................................................................... 5.4 4.4 2.4 – – 5.4 5.4 – –

East North Central ............................................... 6.5 5.1 – – 2.4 6.5 6.5 – –

West North Central .............................................. 5.0 5.5 7.3 – – 5.0 5.0 – –

West ......................................................................... 6.6 7.3 5.2 – – 6.6 6.6 – –

Mountain .............................................................. 8.3 7.4 – – – 8.3 8.3 – –

Pacific .................................................................. 7.6 8.5 5.1 – – 7.6 7.6 – –

1 Benefits are based on a dollar amount per month for each year of service recognized by the plan. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 49. Traditional defined benefit plans: Normal retirement age and service

requirements,1

 private industry workers, 2015

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics

With age and

service

requirement

With age only

requirement

With service

only

requirement

With age plus

service

requirement

Worker characteristics

All workers ............................................................... 76 19 – –

Management, professional, and related .................. 68 31 – –

Management, business, and financial ................. 65 – – –

Professional and related ...................................... 70 28 – –

Service ..................................................................... 89 – – –

Sales and office ....................................................... 74 21 – –

Sales and related ................................................. 77 – – –

Office and administrative support ........................ 72 23 – –

Natural resources, construction, and maintenance 77 10 – –

Construction, extraction, farming, fishing, and

forestry ............................................................... 86 – – –

Installation, maintenance, and repair ................... 65 – – –

Production, transportation, and material moving ..... 79 13 – –

Production ............................................................ 77 – – –

Transportation and material moving .................... 81 – – –

Full time ................................................................... 74 20 – –

Part time .................................................................. 84 – – –

Union ....................................................................... 82 10 – –

Nonunion ................................................................. 70 28 – –

Average wage within the following categories2:

Lowest 25 percent ............................................... 74 – – –

Second 25 percent ............................................... 77 15 – –

Third 25 percent ................................................... 80 16 – –

Highest 25 percent ............................................... 72 23 – –

Highest 10 percent ........................................... 75 25 – –

Establishment characteristics

Goods-producing industries ..................................... 72 24 – –

Construction ......................................................... 77 – – –

Manufacturing ...................................................... 71 27 – –

Service-providing industries ..................................... 77 17 – –

Trade, transportation, and utilities ....................... 82 – – –

Wholesale trade ............................................... 89 – – –

Retail trade ...................................................... 78 – – –

Transportation and warehousing ..................... 81 – – –

Utilities ............................................................. 96 – – –

Information ........................................................... 55 – – –

Financial activities ................................................ 73 27 – –

Finance and insurance .................................... 69 31 – –

Credit intermediation and related activities .. 67 – – –

Insurance carriers and related activities ...... 71 29 – –

Education and health services ............................. 75 – – –

Educational services ........................................ 78 – – –

Junior colleges, colleges, and universities ... 47 53 – –

Health care and social assistance ................... 75 – – –

See footnotes at end of table.
Table 49. Traditional defined benefit plans: Normal retirement age and service

requirements,1

 private industry workers, 2015—continued

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics

With age and

service

requirement

With age only

requirement

With service

only

requirement

With age plus

service

requirement

1 to 99 workers ........................................................ 72 23 – –

1 to 49 workers .................................................... 62 – – –

50 to 99 workers .................................................. 85 – – –

100 workers or more ................................................ 77 17 – –

100 to 499 workers .............................................. 80 – – –

500 workers or more ............................................ 75 20 – –

Geographic areas

Northeast ................................................................. 76 16 – –

New England ....................................................... 75 – – –

Middle Atlantic ..................................................... 77 – – –

South ....................................................................... 71 24 – –

South Atlantic ....................................................... 75 – – –

East South Central ............................................... 80 – – –

Midwest .................................................................... 83 16 – –

East North Central ............................................... 80 – – –

West North Central .............................................. 89 – – –

West ......................................................................... 74 – – –

Pacific .................................................................. 76 – – –

1 Normal retirement occurs when the specific age, length of service, or combination of age and length of service plan requirements are

satisfied and the participant may retire and receive all accrued benefits without a reduction or penalty. In some plans, participants must

satisfy a minimum service requirement to be vested in the plan. Typical vesting requirements are 3 or 5 years of services. These

requirements are not included in the service requirements for normal retirement. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers

with earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the

National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 49. Standard errors for traditional defined benefit plans: Normal retirement age

and service requirements,1

 private industry workers, 2015

Characteristics

With age and

service

requirement

With age only

requirement

With service

only

requirement

With age plus

service

requirement

Worker characteristics

All workers ............................................................... 3.2 2.9 – –

Management, professional, and related .................. 6.4 6.4 – –

Management, business, and financial ................. 11.6 – – –

Professional and related ...................................... 6.9 6.8 – –

Service ..................................................................... 4.6 – – –

Sales and office ....................................................... 4.5 4.1 – –

Sales and related ................................................. 7.7 – – –

Office and administrative support ........................ 5.3 4.8 – –

Natural resources, construction, and maintenance 4.4 2.5 – –

Construction, extraction, farming, fishing, and

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

Installation, maintenance, and repair ................... 6.9 – – –

Production, transportation, and material moving ..... 5.3 3.4 – –

Production ............................................................ 6.9 – – –

Transportation and material moving .................... 7.4 – – –

Full time ................................................................... 3.5 3.3 – –

Part time .................................................................. 5.6 – – –

Union ....................................................................... 3.5 2.4 – –

Nonunion ................................................................. 4.8 4.6 – –

Average wage within the following categories2:

Lowest 25 percent ............................................... 8.4 – – –

Second 25 percent ............................................... 5.7 3.9 – –

Third 25 percent ................................................... 3.5 3.2 – –

Highest 25 percent ............................................... 4.8 4.7 – –

Highest 10 percent ........................................... 7.2 7.2 – –

Establishment characteristics

Goods-producing industries ..................................... 5.6 5.5 – –

Construction ......................................................... 8.3 – – –

Manufacturing ...................................................... 6.5 6.7 – –

Service-providing industries ..................................... 3.9 3.5 – –

Trade, transportation, and utilities ....................... 5.2 – – –

Wholesale trade ............................................... 11.1 – – –

Retail trade ...................................................... 6.4 – – –

Transportation and warehousing ..................... 8.8 – – –

Utilities ............................................................. 3.9 – – –

Information ........................................................... 12.5 – – –

Financial activities ................................................ 6.4 6.4 – –

Finance and insurance .................................... 6.7 6.7 – –

Credit intermediation and related activities .. 10.4 – – –

Insurance carriers and related activities ...... 8.7 8.7 – –

Education and health services ............................. 7.1 – – –

Educational services ........................................ 7.1 – – –

Junior colleges, colleges, and universities ... 5.4 5.4 – –

Health care and social assistance ................... 8.2 – – –

See footnotes at end of table.
Table 49. Standard errors for traditional defined benefit plans: Normal retirement age

and service requirements,1

 private industry workers, 2015—continued

Characteristics

With age and

service

requirement

With age only

requirement

With service

only

requirement

With age plus

service

requirement

1 to 99 workers ........................................................ 6.2 6.2 – –

1 to 49 workers .................................................... 9.3 – – –

50 to 99 workers .................................................. 6.1 – – –

100 workers or more ................................................ 3.4 2.9 – –

100 to 499 workers .............................................. 5.6 – – –

500 workers or more ............................................ 4.5 4.1 – –

Geographic areas

Northeast ................................................................. 5.0 4.0 – –

New England ....................................................... 9.0 – – –

Middle Atlantic ..................................................... 5.9 – – –

South ....................................................................... 6.7 6.5 – –

South Atlantic ....................................................... 6.9 – – –

East South Central ............................................... 11.9 – – –

Midwest .................................................................... 4.5 4.5 – –

East North Central ............................................... 6.2 – – –

West North Central .............................................. 4.9 – – –

West ......................................................................... 8.0 – – –

Pacific .................................................................. 8.3 – – –

1 Normal retirement occurs when the specific age, length of service, or combination of age and length of service plan requirements are

satisfied and the participant may retire and receive all accrued benefits without a reduction or penalty. In some plans, participants must

satisfy a minimum service requirement to be vested in the plan. Typical vesting requirements are 3 or 5 years of services. These

requirements are not included in the service requirements for normal retirement. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers

with earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the

National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 50. Traditional defined benefit plans: Selected normal retirement age

requirements,1

 private industry workers, 2015

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics

Age less than 65 Age 65

Less than 10

years of

service2

10 years or

more of

service

Less than 10

years of

service2

10 years or

more of

service

Worker characteristics

All workers ............................................................... 15 25 57 –

Management, professional, and related .................. – 22 68 –

Management, business, and financial ................. 18 23 60 –

Professional and related ...................................... – 21 73 –

Service ..................................................................... – – 54 –

Sales and office ....................................................... 8 13 76 –

Sales and related ................................................. – – 87 –

Office and administrative support ........................ 11 19 68 –

Natural resources, construction, and maintenance 26 38 34 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 40 35 24 –

Installation, maintenance, and repair ................... – 44 49 –

Production, transportation, and material moving ..... 19 32 43 –

Production ............................................................ – 38 54 –

Transportation and material moving .................... – 28 35 –

Full time ................................................................... 16 27 55 –

Part time .................................................................. – – 70 –

Union ....................................................................... 22 30 43 –

Nonunion ................................................................. 9 20 70 –

Average wage within the following categories3:

Lowest 25 percent ............................................... – – 68 –

Second 25 percent ............................................... – 13 61 –

Third 25 percent ................................................... 13 28 57 –

Highest 25 percent ............................................... 18 28 53 –

Highest 10 percent ........................................... 21 – 58 –

Establishment characteristics

Goods-producing industries ..................................... 17 31 51 –

Construction ......................................................... 41 30 28 –

Manufacturing ...................................................... – 32 60 –

Service-providing industries ..................................... 15 23 59 –

Trade, transportation, and utilities ....................... 18 23 50 –

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

Retail trade ...................................................... – – 84 –

Transportation and warehousing ..................... – – 33 –

Utilities ............................................................. – 47 45 –

Information ........................................................... – 44 53 –

Financial activities ................................................ – – 67 –

Finance and insurance .................................... – – 67 –

Credit intermediation and related activities .. – – – –

Insurance carriers and related activities ...... – – 56 –

Education and health services ............................. – – 71 –

Educational services ........................................ – – 53 –

Junior colleges, colleges, and universities ... – – 64 –

Health care and social assistance ................... – – 74 –

See footnotes at end of table.
Table 50. Traditional defined benefit plans: Selected normal retirement age

requirements,1

 private industry workers, 2015—continued

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics

Normal retirement age requirements

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 60 62 65 65 65

Management, professional, and related .................. 60 62 65 65 65

Management, business, and financial ................. 60 60 65 65 65

Professional and related ...................................... 60 62 65 65 65

Service ..................................................................... 60 62 65 65 65

Sales and office ....................................................... 62 65 65 65 65

Sales and related ................................................. 65 65 65 65 65

Office and administrative support ........................ 60 62 65 65 65

Natural resources, construction, and maintenance 60 62 62 65 65

Construction, extraction, farming, fishing, and

forestry ............................................................... 58 60 62 65 65

Installation, maintenance, and repair ................... 60 62 65 65 65

Production, transportation, and material moving ..... 60 62 62 65 65

Production ............................................................ 62 62 65 65 65

Transportation and material moving .................... 60 62 62 65 65

Full time ................................................................... 60 62 65 65 65

Part time .................................................................. 60 65 65 65 65

Union ....................................................................... 60 62 62 65 65

Nonunion ................................................................. 60 62 65 65 65

Average wage within the following categories3:

Lowest 25 percent ............................................... 62 65 65 65 65

Second 25 percent ............................................... 60 62 65 65 65

Third 25 percent ................................................... 60 62 65 65 65

Highest 25 percent ............................................... 60 62 65 65 65

Highest 10 percent ........................................... 60 62 65 65 65

Establishment characteristics

Goods-producing industries ..................................... 60 62 65 65 65

Construction ......................................................... 58 62 62 65 65

Manufacturing ...................................................... 60 62 65 65 65

Service-providing industries ..................................... 60 62 65 65 65

Trade, transportation, and utilities ....................... 60 62 65 65 65

Wholesale trade ............................................... 60 62 65 65 65

Retail trade ...................................................... 65 65 65 65 65

Transportation and warehousing ..................... 60 60 62 65 65

Utilities ............................................................. 55 55 62 65 65

Information ........................................................... 55 65 65 65 65

Financial activities ................................................ 62 62 65 65 65

Finance and insurance .................................... 62 62 65 65 65

Credit intermediation and related activities .. 62 65 65 65 65

Insurance carriers and related activities ...... 62 62 65 65 65

Education and health services ............................. 60 65 65 65 65

Educational services ........................................ 60 60 65 65 65

Junior colleges, colleges, and universities ... 60 62 65 65 65

Health care and social assistance ................... 62 65 65 65 65

See footnotes at end of table.
Table 50. Traditional defined benefit plans: Selected normal retirement age

requirements,1

 private industry workers, 2015—continued

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics

Age less than 65 Age 65

Less than 10

years of

service2

10 years or

more of

service

Less than 10

years of

service2

10 years or

more of

service

1 to 99 workers ........................................................ 17 19 61 –

1 to 49 workers .................................................... – 21 62 –

50 to 99 workers .................................................. – – 60 –

100 workers or more ................................................ 14 28 55 –

100 to 499 workers .............................................. 11 32 57 –

500 workers or more ............................................ 17 25 54 –

Geographic areas

Northeast ................................................................. – 29 58 –

New England ....................................................... – – 59 –

Middle Atlantic ..................................................... – 32 58 –

South ....................................................................... 16 23 61 –

South Atlantic ....................................................... 14 – 62 –

East South Central ............................................... – – 56 –

West South Central .............................................. – – 59 –

Midwest .................................................................... – 30 56 –

East North Central ............................................... – 29 57 –

West North Central .............................................. – 31 54 –

West ......................................................................... 21 20 49 –

Mountain .............................................................. – – – –

Pacific .................................................................. 20 21 53 –

See footnotes at end of table.
Table 50. Traditional defined benefit plans: Selected normal retirement age

requirements,1

 private industry workers, 2015—continued

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics

Normal retirement age requirements

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 60 62 65 65 65

1 to 49 workers .................................................... 60 62 65 65 65

50 to 99 workers .................................................. 60 62 65 65 65

100 workers or more ................................................ 60 62 65 65 65

100 to 499 workers .............................................. 60 62 65 65 65

500 workers or more ............................................ 60 62 65 65 65

Geographic areas

Northeast ................................................................. 60 62 65 65 65

New England ....................................................... 60 62 65 65 65

Middle Atlantic ..................................................... 60 62 65 65 65

South ....................................................................... 60 62 65 65 65

South Atlantic ....................................................... 60 62 65 65 65

East South Central ............................................... 62 62 65 65 65

West South Central .............................................. 60 62 65 65 65

Midwest .................................................................... 60 62 65 65 65

East North Central ............................................... 60 62 65 65 65

West North Central .............................................. – 60 65 65 65

West ......................................................................... 60 62 65 65 65

Mountain .............................................................. 62 62 62 65 65

Pacific .................................................................. 60 62 65 65 65

1 Normal retirement occurs when the specific age, length of service, or combination of age and length of service plan requirements

are satisfied and the participant may retire and receive all accrued benefits without a reduction or penalty. 2 Includes workers in plans with no minimum service requirements. 3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include

workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using

data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 50. Standard errors for traditional defined benefit plans: Selected normal

retirement age requirements,1

 private industry workers, 2015

Characteristics

Age less than 65 Age 65

Less than 10

years of

service2

10 years or

more of

service

Less than 10

years of

service2

10 years or

more of

service

Worker characteristics

All workers ............................................................... 2.1 2.9 3.0 –

Management, professional, and related .................. – 4.8 5.3 –

Management, business, and financial ................. 4.9 6.7 6.1 –

Professional and related ...................................... – 5.3 6.2 –

Service ..................................................................... – – 9.0 –

Sales and office ....................................................... 2.2 3.0 4.4 –

Sales and related ................................................. – – 6.3 –

Office and administrative support ........................ 3.0 4.2 5.0 –

Natural resources, construction, and maintenance 5.9 6.5 4.9 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 9.3 9.3 5.2 –

Installation, maintenance, and repair ................... – 8.4 8.2 –

Production, transportation, and material moving ..... 3.6 4.6 5.1 –

Production ............................................................ – 5.6 6.9 –

Transportation and material moving .................... – 5.8 6.0 –

Full time ................................................................... 2.3 3.4 3.6 –

Part time .................................................................. – – 7.7 –

Union ....................................................................... 3.8 3.2 4.1 –

Nonunion ................................................................. 2.0 4.4 4.6 –

Average wage within the following categories3:

Lowest 25 percent ............................................... – – 11.6 –

Second 25 percent ............................................... – 3.7 5.8 –

Third 25 percent ................................................... 3.2 3.7 4.7 –

Highest 25 percent ............................................... 3.5 4.0 5.5 –

Highest 10 percent ........................................... 4.8 – 7.5 –

Establishment characteristics

Goods-producing industries ..................................... 4.2 3.6 4.3 –

Construction ......................................................... 10.0 8.9 6.4 –

Manufacturing ...................................................... – 4.5 5.8 –

Service-providing industries ..................................... 2.5 3.9 4.0 –

Trade, transportation, and utilities ....................... 3.5 5.1 6.3 –

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

Retail trade ...................................................... – – 6.0 –

Transportation and warehousing ..................... – – 7.8 –

Utilities ............................................................. – 10.0 8.5 –

Information ........................................................... – 11.5 11.6 –

Financial activities ................................................ – – 5.7 –

Finance and insurance .................................... – – 5.5 –

Credit intermediation and related activities .. – – – –

Insurance carriers and related activities ...... – – 7.3 –

Education and health services ............................. – – 8.3 –

Educational services ........................................ – – 15.4 –

Junior colleges, colleges, and universities ... – – 5.4 –

Health care and social assistance ................... – – 8.9 –

See footnotes at end of table.
Table 50. Standard errors for traditional defined benefit plans: Selected normal

retirement age requirements,1

 private industry workers, 2015—continued

Characteristics

Normal retirement age requirements

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 0.0 0.0 0.0 0.0 0.0

Management, professional, and related .................. 0.0 1.3 0.0 0.0 0.0

Management, business, and financial ................. 1.1 2.9 0.0 0.0 0.0

Professional and related ...................................... 0.7 3.4 0.0 0.0 0.0

Service ..................................................................... 2.9 0.0 1.7 0.0 0.0

Sales and office ....................................................... 0.4 0.0 0.0 0.0 0.0

Sales and related ................................................. 0.5 0.0 0.0 0.0 0.0

Office and administrative support ........................ 2.6 2.0 0.0 0.0 0.0

Natural resources, construction, and maintenance 2.7 2.1 0.0 0.0 0.0

Construction, extraction, farming, fishing, and

forestry ............................................................... 2.0 2.7 0.0 4.3 0.0

Installation, maintenance, and repair ................... 0.0 1.2 0.0 0.0 0.0

Production, transportation, and material moving ..... 0.0 0.0 2.4 0.0 0.0

Production ............................................................ 1.0 0.0 1.7 0.0 0.0

Transportation and material moving .................... 0.0 2.1 0.0 0.0 0.0

Full time ................................................................... 0.0 0.0 0.0 0.0 0.0

Part time .................................................................. 2.8 4.1 0.0 0.0 0.0

Union ....................................................................... 0.0 0.0 2.3 0.0 0.0

Nonunion ................................................................. 1.5 2.1 0.0 0.0 0.0

Average wage within the following categories3:

Lowest 25 percent ............................................... 0.0 1.3 0.0 0.0 0.0

Second 25 percent ............................................... 2.2 0.0 0.0 0.0 0.0

Third 25 percent ................................................... 0.4 0.0 0.0 0.0 0.0

Highest 25 percent ............................................... 0.0 0.6 0.8 0.0 0.0

Highest 10 percent ........................................... 0.0 2.8 0.5 0.0 0.0

Establishment characteristics

Goods-producing industries ..................................... 0.0 0.0 2.0 0.0 0.0

Construction ......................................................... 2.0 1.0 0.0 1.4 0.0

Manufacturing ...................................................... 0.9 0.0 0.0 0.0 0.0

Service-providing industries ..................................... 0.0 0.0 0.0 0.0 0.0

Trade, transportation, and utilities ....................... 3.8 1.4 1.1 0.0 0.0

Wholesale trade ............................................... 1.9 0.0 3.8 0.0 0.0

Retail trade ...................................................... 3.6 0.0 0.0 0.0 0.0

Transportation and warehousing ..................... 6.8 1.0 0.0 0.0 0.0

Utilities ............................................................. 0.0 1.6 2.9 0.0 0.0

Information ........................................................... 0.0 7.7 0.0 0.0 0.0

Financial activities ................................................ 0.0 0.0 0.0 0.0 0.0

Finance and insurance .................................... 0.0 0.0 0.0 0.0 0.0

Credit intermediation and related activities .. 2.4 0.0 0.0 0.0 0.0

Insurance carriers and related activities ...... 0.0 0.0 1.3 0.0 0.0

Education and health services ............................. 1.7 4.3 0.0 0.0 0.0

Educational services ........................................ 0.0 1.0 4.4 0.0 0.0

Junior colleges, colleges, and universities ... 0.0 0.6 0.0 0.0 0.0

Health care and social assistance ................... 1.7 1.8 0.0 0.0 0.0

See footnotes at end of table.
Table 50. Standard errors for traditional defined benefit plans: Selected normal

retirement age requirements,1

 private industry workers, 2015—continued

Characteristics

Age less than 65 Age 65

Less than 10

years of

service2

10 years or

more of

service

Less than 10

years of

service2

10 years or

more of

service

1 to 99 workers ........................................................ 4.0 4.2 5.6 –

1 to 49 workers .................................................... – 5.8 8.0 –

50 to 99 workers .................................................. – – 8.8 –

100 workers or more ................................................ 2.4 4.0 3.8 –

100 to 499 workers .............................................. 3.1 6.6 7.0 –

500 workers or more ............................................ 3.3 5.0 4.4 –

Geographic areas

Northeast ................................................................. – 5.2 5.3 –

New England ....................................................... – – 11.8 –

Middle Atlantic ..................................................... – 5.3 6.0 –

South ....................................................................... 3.2 6.8 6.0 –

South Atlantic ....................................................... 4.0 – 8.1 –

East South Central ............................................... – – 14.2 –

West South Central .............................................. – – 4.4 –

Midwest .................................................................... – 3.6 5.6 –

East North Central ............................................... – 4.4 5.9 –

West North Central .............................................. – 6.5 11.6 –

West ......................................................................... 5.8 3.7 6.3 –

Mountain .............................................................. – – – –

Pacific .................................................................. 4.8 4.3 7.2 –

See footnotes at end of table.
Table 50. Standard errors for traditional defined benefit plans: Selected normal

retirement age requirements,1

 private industry workers, 2015—continued

Characteristics

Normal retirement age requirements

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 0.7 0.0 0.0 0.0 0.0

1 to 49 workers .................................................... 2.5 1.0 0.0 0.0 0.0

50 to 99 workers .................................................. 1.3 0.0 0.5 0.0 0.0

100 workers or more ................................................ 0.0 0.0 0.0 0.0 0.0

100 to 499 workers .............................................. 0.4 0.0 0.0 0.0 0.0

500 workers or more ............................................ 0.0 0.0 0.0 0.0 0.0

Geographic areas

Northeast ................................................................. 0.0 0.0 0.0 0.0 0.0

New England ....................................................... 0.0 1.4 1.1 0.0 0.0

Middle Atlantic ..................................................... 0.0 0.0 0.0 0.0 0.0

South ....................................................................... 0.0 0.0 0.0 0.0 0.0

South Atlantic ....................................................... 0.4 1.5 0.0 0.0 0.0

East South Central ............................................... 2.0 0.0 0.0 0.0 0.0

West South Central .............................................. 0.0 1.3 0.0 0.0 0.0

Midwest .................................................................... 1.2 0.0 0.0 0.0 0.0

East North Central ............................................... 1.4 0.0 0.0 0.0 0.0

West North Central .............................................. – 2.8 2.5 0.0 0.0

West ......................................................................... 0.0 0.0 0.8 0.0 0.0

Mountain .............................................................. 9.9 0.0 3.4 0.0 0.0

Pacific .................................................................. 0.5 0.0 0.0 0.0 0.0

1 Normal retirement occurs when the specific age, length of service, or combination of age and length of service plan requirements

are satisfied and the participant may retire and receive all accrued benefits without a reduction or penalty. 2 Includes workers in plans with no minimum service requirements. 3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include

workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using

data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 51. Traditional defined benefit plans: Normal retirement1

 service requirements, private

industry workers, 2015

(Includes all workers in traditional defined benefit plans with a service requirement)

Characteristics

Normal retirement service requirements

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 5 5 5 10 25

Management, professional, and related .................. 5 5 5 – 25

Management, business, and financial ................. – 5 5 – 25

Professional and related ...................................... 5 5 5 – 25

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

Sales and office ....................................................... 5 5 5 5 25

Sales and related ................................................. 5 5 5 5 5

Office and administrative support ........................ 5 5 5 – 30

Natural resources, construction, and maintenance 5 5 – – 30

Construction, extraction, farming, fishing, and

forestry ............................................................... 5 5 – 10 –

Installation, maintenance, and repair ................... 5 5 – 30 30

Production, transportation, and material moving ..... 5 5 5 – 25

Production ............................................................ 5 5 – – 25

Transportation and material moving .................... 5 5 5 – 30

Full time ................................................................... 5 5 5 – 25

Part time .................................................................. 5 5 5 5 –

Union ....................................................................... 5 5 5 – 30

Nonunion ................................................................. 5 5 5 – 25

Average wage within the following categories2:

Lowest 25 percent ............................................... 5 5 5 – –

Second 25 percent ............................................... 5 5 5 5 20

Third 25 percent ................................................... 5 5 5 – 25

Highest 25 percent ............................................... 5 5 5 – 30

Highest 10 percent ........................................... 5 5 5 – 25

Establishment characteristics

Goods-producing industries ..................................... 5 5 5 10 25

Construction ......................................................... 5 5 5 10 –

Manufacturing ...................................................... 5 5 – – 25

Service-providing industries ..................................... 5 5 5 – 25

Trade, transportation, and utilities ....................... 5 5 5 – 30

Wholesale trade ............................................... 5 – – 25 30

Retail trade ...................................................... 5 5 5 5 5

Transportation and warehousing ..................... 5 5 5 – 30

Utilities ............................................................. 5 5 – 30 35

Information ........................................................... 5 5 – 30 30

Financial activities ................................................ 5 5 5 5 25

Finance and insurance .................................... 5 5 5 5 20

Credit intermediation and related activities .. 5 5 5 – 25

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

Education and health services ............................. 5 5 5 – 25

Educational services ........................................ 5 5 5 5 25

Junior colleges, colleges, and universities ... 5 5 25 25 30

Health care and social assistance ................... – 5 5 – 25

See footnotes at end of table.
Table 51. Traditional defined benefit plans: Normal retirement1

 service requirements, private

industry workers, 2015—continued

(Includes all workers in traditional defined benefit plans with a service requirement)

Characteristics

Normal retirement service requirements

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 5 5 5 – 25

1 to 49 workers .................................................... – 5 5 – 25

50 to 99 workers .................................................. 5 5 5 – –

100 workers or more ................................................ 5 5 5 – 25

100 to 499 workers .............................................. 5 5 5 – 25

500 workers or more ............................................ 5 5 5 – 25

Geographic areas

Northeast ................................................................. 5 5 5 20 30

New England ....................................................... 5 5 5 – 30

Middle Atlantic ..................................................... 5 5 5 20 30

South ....................................................................... 5 5 5 – 25

South Atlantic ....................................................... 5 5 5 – –

East South Central ............................................... 5 5 5 – –

West South Central .............................................. 5 5 5 – –

Midwest .................................................................... 5 5 5 – 25

East North Central ............................................... 5 5 5 10 20

West North Central .............................................. 5 5 5 – 30

West ......................................................................... – 5 5 – 25

Mountain .............................................................. 5 5 5 – –

Pacific .................................................................. – 5 5 – –

1 Normal retirement occurs when the specific age, length of service, or combination of age and length of service plan requirements are satisfied

and the participant may retire and receive all accrued benefits without a reduction or penalty. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with

earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 51. Standard errors for traditional defined benefit plans: Normal retirement1

 service

requirements, private industry workers, 2015

Characteristics

Normal retirement service requirements

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 0.0 0.0 0.0 2.7 1.5

Management, professional, and related .................. 0.0 0.0 0.0 – 2.3

Management, business, and financial ................. – 0.0 0.0 – 2.2

Professional and related ...................................... 0.0 0.0 0.0 – 4.5

Service ..................................................................... 0.0 0.0 0.0 – 5.2

Sales and office ....................................................... 0.0 0.0 0.0 0.0 3.2

Sales and related ................................................. 0.0 0.0 0.0 0.0 0.0

Office and administrative support ........................ 0.0 0.0 0.0 – 6.9

Natural resources, construction, and maintenance 0.0 0.0 – – 0.0

Construction, extraction, farming, fishing, and

forestry ............................................................... 0.0 0.0 – 0.0 –

Installation, maintenance, and repair ................... 0.0 0.0 – 4.3 0.0

Production, transportation, and material moving ..... 0.0 0.0 0.0 – 3.6

Production ............................................................ 0.0 0.0 – – 1.3

Transportation and material moving .................... 0.0 0.0 0.0 – 4.8

Full time ................................................................... 0.0 0.0 0.0 – 2.8

Part time .................................................................. 0.0 0.0 0.0 0.0 –

Union ....................................................................... 0.0 0.0 0.0 – 6.1

Nonunion ................................................................. 0.0 0.0 0.0 – 0.0

Average wage within the following categories2:

Lowest 25 percent ............................................... 0.0 0.0 0.0 – –

Second 25 percent ............................................... 0.0 0.0 0.0 0.0 1.6

Third 25 percent ................................................... 0.0 0.0 0.0 – 1.6

Highest 25 percent ............................................... 0.0 0.0 0.0 – 4.2

Highest 10 percent ........................................... 0.0 0.0 0.0 – 7.2

Establishment characteristics

Goods-producing industries ..................................... 0.0 0.0 0.0 0.0 5.5

Construction ......................................................... 0.0 0.0 0.0 1.3 –

Manufacturing ...................................................... 0.0 0.0 – – 5.8

Service-providing industries ..................................... 0.0 0.0 0.0 – 2.9

Trade, transportation, and utilities ....................... 0.0 0.0 0.0 – 0.0

Wholesale trade ............................................... 0.0 – – 4.1 0.0

Retail trade ...................................................... 0.0 0.0 0.0 0.0 0.0

Transportation and warehousing ..................... 0.0 0.0 0.0 – 2.7

Utilities ............................................................. 0.0 0.0 – 0.8 2.6

Information ........................................................... 0.0 0.0 – 4.8 0.0

Financial activities ................................................ 0.0 0.0 0.0 0.3 5.6

Finance and insurance .................................... 0.0 0.0 0.0 0.4 5.1

Credit intermediation and related activities .. 0.0 0.0 0.0 – 4.0

Insurance carriers and related activities ...... 0.0 0.0 0.0 0.0 –

Education and health services ............................. 0.7 0.0 0.0 – 5.2

Educational services ........................................ 0.0 0.0 0.0 0.0 0.0

Junior colleges, colleges, and universities ... 0.0 0.0 0.0 0.0 3.4

Health care and social assistance ................... – 0.0 0.0 – 5.8

See footnotes at end of table.
Table 51. Standard errors for traditional defined benefit plans: Normal retirement1

 service

requirements, private industry workers, 2015—continued

Characteristics

Normal retirement service requirements

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 0.0 0.0 0.0 – 1.3

1 to 49 workers .................................................... – 0.0 0.0 – 4.7

50 to 99 workers .................................................. 0.0 0.0 0.0 – –

100 workers or more ................................................ 0.0 0.0 0.0 – 3.1

100 to 499 workers .............................................. 0.0 0.0 0.0 – 6.6

500 workers or more ............................................ 0.0 0.0 0.0 – 3.2

Geographic areas

Northeast ................................................................. 0.0 0.0 0.0 2.0 2.7

New England ....................................................... 0.0 0.0 0.0 – 2.4

Middle Atlantic ..................................................... 0.0 0.0 0.0 0.0 6.2

South ....................................................................... 0.0 0.0 0.0 – 4.2

South Atlantic ....................................................... 0.0 0.0 0.0 – –

East South Central ............................................... 0.0 0.0 0.0 – –

West South Central .............................................. 0.0 0.0 0.0 – –

Midwest .................................................................... 0.0 0.0 0.0 – 5.4

East North Central ............................................... 0.0 0.0 0.0 2.7 2.6

West North Central .............................................. 0.0 0.0 0.0 – 7.1

West ......................................................................... – 0.0 0.0 – 6.2

Mountain .............................................................. 0.0 0.0 0.0 – –

Pacific .................................................................. – 0.0 0.0 – –

1 Normal retirement occurs when the specific age, length of service, or combination of age and length of service plan requirements are satisfied

and the participant may retire and receive all accrued benefits without a reduction or penalty. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with

earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 52. Traditional defined benefit plans: Availability of early retirement with selected

requirements,1

 private industry workers, 2015

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics

Early

retirement

available

Early retirement age requirements

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 96 50 55 55 55 55

Management, professional, and related .................. 97 55 55 55 55 55

Management, business, and financial ................. 99 55 55 55 55 55

Professional and related ...................................... 95 55 55 55 55 55

Service ..................................................................... 91 55 55 55 55 55

Sales and office ....................................................... 99 55 55 55 55 55

Sales and related ................................................. 100 55 55 55 55 55

Office and administrative support ........................ 98 50 55 55 55 55

Natural resources, construction, and maintenance 98 50 55 55 55 55

Construction, extraction, farming, fishing, and

forestry ............................................................... 99 55 55 55 55 60

Installation, maintenance, and repair ................... 95 50 55 55 55 55

Production, transportation, and material moving ..... 94 50 50 55 55 55

Production ............................................................ 100 55 55 55 55 62

Transportation and material moving .................... 90 50 50 50 55 55

Full time ................................................................... 96 50 55 55 55 55

Part time .................................................................. 100 50 50 55 55 55

Union ....................................................................... 97 50 55 55 55 55

Nonunion ................................................................. 95 55 55 55 55 55

Average wage within the following categories3:

Lowest 25 percent ............................................... 85 50 55 55 55 55

Second 25 percent ............................................... 99 50 55 55 55 55

Third 25 percent ................................................... 97 50 55 55 55 55

Highest 25 percent ............................................... 96 50 55 55 55 55

Highest 10 percent ........................................... 98 55 55 55 55 55

Establishment characteristics

Goods-producing industries ..................................... 100 55 55 55 55 60

Construction ......................................................... 100 55 55 55 55 60

Manufacturing ...................................................... 100 55 55 55 55 62

Service-providing industries ..................................... 95 50 55 55 55 55

Trade, transportation, and utilities ....................... 94 50 50 55 55 55

Wholesale trade ............................................... 100 50 55 55 55 55

Retail trade ...................................................... 100 55 55 55 55 55

Transportation and warehousing ..................... 88 50 50 50 55 55

Utilities ............................................................. 95 50 50 55 55 55

Information ........................................................... 100 50 50 55 55 55

Financial activities ................................................ 100 55 55 55 55 55

Finance and insurance .................................... 100 55 55 55 55 55

Credit intermediation and related activities .. 100 55 55 55 55 55

Insurance carriers and related activities ...... 100 55 55 55 55 55

Education and health services ............................. 88 55 55 55 55 55

Educational services ........................................ 96 55 55 55 55 55

Junior colleges, colleges, and universities ... 90 55 55 55 55 60

Health care and social assistance ................... 86 55 55 55 55 55

See footnotes at end of table.
Table 52. Traditional defined benefit plans: Availability of early

retirement with selected requirements,1

 private industry workers,

2015—continued

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics

Age 55

Sum of age

plus service Less than 10

years of

service2

10 years or

more of

service

Worker characteristics

All workers ............................................................... 32 42 2

Management, professional, and related .................. 39 44 2

Management, business, and financial ................. 37 49 –

Professional and related ...................................... 41 42 –

Service ..................................................................... 53 32 –

Sales and office ....................................................... 35 51 –

Sales and related ................................................. 24 68 –

Office and administrative support ........................ 42 40 –

Natural resources, construction, and maintenance 22 49 –

Construction, extraction, farming, fishing, and

forestry ............................................................... – 55 –

Installation, maintenance, and repair ................... 29 39 –

Production, transportation, and material moving ..... 18 34 –

Production ............................................................ 26 52 –

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

Full time ................................................................... 31 43 2

Part time .................................................................. 35 36 –

Union ....................................................................... 31 37 –

Nonunion ................................................................. 32 48 –

Average wage within the following categories3:

Lowest 25 percent ............................................... 31 43 –

Second 25 percent ............................................... 40 33 –

Third 25 percent ................................................... 33 42 –

Highest 25 percent ............................................... 28 46 –

Highest 10 percent ........................................... 31 52 –

Establishment characteristics

Goods-producing industries ..................................... 21 56 –

Construction ......................................................... – 54 –

Manufacturing ...................................................... 25 56 –

Service-providing industries ..................................... 36 37 2

Trade, transportation, and utilities ....................... 18 35 –

Wholesale trade ............................................... – 42 –

Retail trade ...................................................... 30 61 –

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

Utilities ............................................................. – 27 –

Information ........................................................... 44 – –

Financial activities ................................................ 65 – –

Finance and insurance .................................... 73 19 –

Credit intermediation and related activities .. 62 30 –

Insurance carriers and related activities ...... 82 – –

Education and health services ............................. 46 – –

Educational services ........................................ 61 – –

Junior colleges, colleges, and universities ... 39 – –

Health care and social assistance ................... 44 – –

See footnotes at end of table.
Table 52. Traditional defined benefit plans: Availability of early retirement with selected

requirements,1

 private industry workers, 2015—continued

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics

Early

retirement

available

Early retirement age requirements

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 100 – 55 55 55 55

1 to 49 workers .................................................... 99 50 55 55 55 55

50 to 99 workers .................................................. 100 – 55 55 55 55

100 workers or more ................................................ 94 50 55 55 55 55

100 to 499 workers .............................................. 93 50 55 55 55 55

500 workers or more ............................................ 95 50 55 55 55 55

Geographic areas

Northeast ................................................................. 93 50 55 55 55 55

New England ....................................................... 81 55 55 55 55 55

Middle Atlantic ..................................................... 99 50 55 55 55 55

South ....................................................................... 94 50 55 55 55 55

South Atlantic ....................................................... 97 50 55 55 55 55

East South Central ............................................... 80 50 55 55 55 55

West South Central .............................................. 100 50 55 55 55 55

Midwest .................................................................... 98 50 55 55 55 55

East North Central ............................................... 100 55 55 55 55 55

West North Central .............................................. 95 50 55 55 55 60

West ......................................................................... 100 50 55 55 55 55

Mountain .............................................................. – 50 50 55 55 55

Pacific .................................................................. 100 50 55 55 55 55

See footnotes at end of table.
Table 52. Traditional defined benefit plans: Availability of early

retirement with selected requirements,1

 private industry workers,

2015—continued

(All workers participating in traditional defined benefit plans = 100 percent)

Characteristics

Age 55

Sum of age

plus service Less than 10

years of

service2

10 years or

more of

service

1 to 99 workers ........................................................ 25 53 –

1 to 49 workers .................................................... 26 52 –

50 to 99 workers .................................................. – 55 –

100 workers or more ................................................ 35 37 2

100 to 499 workers .............................................. 29 47 –

500 workers or more ............................................ 40 31 –

Geographic areas

Northeast ................................................................. 52 24 –

New England ....................................................... – 39 –

Middle Atlantic ..................................................... 61 18 –

South ....................................................................... 25 46 –

South Atlantic ....................................................... 24 44 –

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

West South Central .............................................. 41 41 –

Midwest .................................................................... 26 51 –

East North Central ............................................... 30 58 –

West North Central .............................................. – 39 –

West ......................................................................... 31 45 –

Mountain .............................................................. – – –

Pacific .................................................................. 28 51 –

1 Early retirement is the age at which plan participants may retire and receive all accrued benefits, minus a

reduction for the number of years by which their retirement age precedes their normal retirement age. 2 Includes workers in plans with no minimum service requirements. 3 Surveyed occupations are classified into wage categories based on the average wage for the occupation,

which may include workers with earnings both above and below the threshold. The categories were formed using

percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs

for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 52. Standard errors for traditional defined benefit plans: Availability of early retirement

with selected requirements,1

 private industry workers, 2015

Characteristics

Early

retirement

available

Early retirement age requirements

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 1.7 0.0 0.0 0.0 0.0 0.0

Management, professional, and related .................. 2.0 0.0 0.0 0.0 0.0 0.0

Management, business, and financial ................. 0.5 0.0 0.0 0.0 0.0 2.9

Professional and related ...................................... 3.0 6.3 0.0 0.0 0.0 0.0

Service ..................................................................... 7.6 2.9 0.0 0.0 0.0 0.0

Sales and office ....................................................... 0.6 6.1 0.0 0.0 0.0 0.0

Sales and related ................................................. 0.0 4.9 0.0 0.0 0.0 0.0

Office and administrative support ........................ 1.0 6.9 0.0 0.0 0.0 0.0

Natural resources, construction, and maintenance 1.9 2.6 0.0 0.0 0.0 0.8

Construction, extraction, farming, fishing, and

forestry ............................................................... 1.0 3.5 0.0 0.0 0.0 4.0

Installation, maintenance, and repair ................... 3.5 0.0 6.9 0.0 0.0 0.0

Production, transportation, and material moving ..... 2.4 0.0 0.0 0.0 0.0 4.5

Production ............................................................ 0.0 0.0 0.0 0.0 2.2 0.6

Transportation and material moving .................... 4.0 0.0 0.0 0.9 0.0 0.0

Full time ................................................................... 2.0 0.4 0.0 0.0 0.0 0.0

Part time .................................................................. 0.0 0.0 2.7 0.0 0.0 0.0

Union ....................................................................... 1.6 0.0 4.8 0.0 0.0 0.0

Nonunion ................................................................. 3.1 0.9 0.0 0.0 0.0 0.0

Average wage within the following categories3:

Lowest 25 percent ............................................... 13.1 5.1 0.0 0.0 0.0 0.0

Second 25 percent ............................................... 1.0 0.0 5.6 0.0 0.0 0.0

Third 25 percent ................................................... 1.6 1.6 0.0 0.0 0.0 1.6

Highest 25 percent ............................................... 1.5 1.3 0.0 0.0 0.0 0.0

Highest 10 percent ........................................... 0.9 3.5 0.0 0.0 0.0 0.0

Establishment characteristics

Goods-producing industries ..................................... 0.0 0.0 0.0 0.0 0.0 2.0

Construction ......................................................... 0.0 3.9 0.0 0.0 2.1 0.0

Manufacturing ...................................................... 0.0 0.0 0.0 0.0 0.0 2.6

Service-providing industries ..................................... 2.4 0.0 1.6 0.0 0.0 0.0

Trade, transportation, and utilities ....................... 2.9 0.0 0.0 0.0 0.0 0.0

Wholesale trade ............................................... 0.0 0.0 6.7 0.0 0.0 0.0

Retail trade ...................................................... 0.0 4.5 0.0 0.0 0.0 0.0

Transportation and warehousing ..................... 5.8 0.0 0.0 0.0 3.8 0.0

Utilities ............................................................. 5.0 4.1 0.0 6.8 0.0 2.3

Information ........................................................... 0.0 0.0 4.0 0.9 0.0 0.0

Financial activities ................................................ 0.0 0.0 0.0 0.0 0.0 0.0

Finance and insurance .................................... 0.0 0.0 0.0 0.0 0.0 0.0

Credit intermediation and related activities .. 0.0 0.0 0.0 0.0 0.0 2.2

Insurance carriers and related activities ...... 0.0 0.0 0.0 0.0 0.0 0.0

Education and health services ............................. 7.8 2.0 0.0 0.0 0.0 0.0

Educational services ........................................ 1.3 2.6 0.0 0.0 0.0 0.0

Junior colleges, colleges, and universities ... 1.0 0.0 0.0 0.0 0.0 7.6

Health care and social assistance ................... 9.0 2.7 0.0 0.0 0.0 0.0

See footnotes at end of table.
Table 52. Standard errors for traditional defined benefit plans:

Availability of early retirement with selected requirements,1

 private

industry workers, 2015—continued

Characteristics

Age 55

Sum of age

plus service Less than 10

years of

service2

10 years or

more of

service

Worker characteristics

All workers ............................................................... 3.2 3.3 0.5

Management, professional, and related .................. 5.3 6.3 0.6

Management, business, and financial ................. 5.7 7.1 –

Professional and related ...................................... 7.0 7.9 –

Service ..................................................................... 9.9 7.8 –

Sales and office ....................................................... 4.8 6.1 –

Sales and related ................................................. 7.1 9.2 –

Office and administrative support ........................ 5.2 6.1 –

Natural resources, construction, and maintenance 5.3 9.1 –

Construction, extraction, farming, fishing, and

forestry ............................................................... – 13.6 –

Installation, maintenance, and repair ................... 8.0 6.2 –

Production, transportation, and material moving ..... 4.8 6.9 –

Production ............................................................ 7.6 11.7 –

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

Full time ................................................................... 3.2 3.7 0.6

Part time .................................................................. 7.3 5.5 –

Union ....................................................................... 5.0 4.9 –

Nonunion ................................................................. 4.1 5.3 –

Average wage within the following categories3:

Lowest 25 percent ............................................... 7.3 9.8 –

Second 25 percent ............................................... 6.9 3.7 –

Third 25 percent ................................................... 4.5 5.6 –

Highest 25 percent ............................................... 3.7 4.9 –

Highest 10 percent ........................................... 6.1 8.1 –

Establishment characteristics

Goods-producing industries ..................................... 4.6 6.0 –

Construction ......................................................... – 15.3 –

Manufacturing ...................................................... 7.3 8.5 –

Service-providing industries ..................................... 4.0 4.0 0.4

Trade, transportation, and utilities ....................... 4.8 4.1 –

Wholesale trade ............................................... – 12.5 –

Retail trade ...................................................... 7.5 8.5 –

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

Utilities ............................................................. – 8.1 –

Information ........................................................... 10.3 – –

Financial activities ................................................ 9.0 – –

Finance and insurance .................................... 5.7 4.7 –

Credit intermediation and related activities .. 9.5 7.7 –

Insurance carriers and related activities ...... 6.0 – –

Education and health services ............................. 9.6 – –

Educational services ........................................ 11.2 – –

Junior colleges, colleges, and universities ... 5.3 – –

Health care and social assistance ................... 10.6 – –

See footnotes at end of table.
Table 52. Standard errors for traditional defined benefit plans: Availability of early retirement

with selected requirements,1

 private industry workers, 2015—continued

Characteristics

Early

retirement

available

Early retirement age requirements

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 0.4 – 0.0 0.0 0.0 4.0

1 to 49 workers .................................................... 0.6 7.2 0.0 0.0 0.0 4.6

50 to 99 workers .................................................. 0.0 – 0.0 0.0 0.0 5.0

100 workers or more ................................................ 2.5 0.0 0.0 0.0 0.0 0.0

100 to 499 workers .............................................. 5.3 0.0 0.0 0.0 0.0 0.0

500 workers or more ............................................ 2.4 0.0 2.7 0.0 0.0 0.0

Geographic areas

Northeast ................................................................. 3.7 5.8 0.0 0.0 0.0 0.0

New England ....................................................... 11.6 0.0 0.0 0.0 0.0 2.9

Middle Atlantic ..................................................... 0.6 2.0 0.0 0.0 0.0 0.0

South ....................................................................... 4.1 0.0 0.9 0.0 0.0 0.0

South Atlantic ....................................................... 2.7 0.0 5.2 0.0 0.0 0.0

East South Central ............................................... 16.8 7.1 6.1 0.0 0.0 0.0

West South Central .............................................. 0.0 7.6 0.0 0.0 0.0 0.0

Midwest .................................................................... 1.8 2.0 0.0 0.0 0.0 0.0

East North Central ............................................... 0.0 0.0 0.0 0.0 0.0 0.0

West North Central .............................................. 4.5 0.0 5.6 0.0 0.0 3.8

West ......................................................................... 0.0 0.0 1.7 0.0 0.0 0.0

Mountain .............................................................. – 0.0 7.1 0.0 0.0 0.0

Pacific .................................................................. 0.0 1.9 0.0 0.0 0.0 0.0

See footnotes at end of table.
Table 52. Standard errors for traditional defined benefit plans:

Availability of early retirement with selected requirements,1

 private

industry workers, 2015—continued

Characteristics

Age 55

Sum of age

plus service Less than 10

years of

service2

10 years or

more of

service

1 to 99 workers ........................................................ 4.5 5.2 –

1 to 49 workers .................................................... 6.4 6.7 –

50 to 99 workers .................................................. – 10.2 –

100 workers or more ................................................ 4.8 4.3 0.4

100 to 499 workers .............................................. 5.6 6.9 –

500 workers or more ............................................ 6.4 5.1 –

Geographic areas

Northeast ................................................................. 7.7 5.1 –

New England ....................................................... – 10.7 –

Middle Atlantic ..................................................... 8.4 3.3 –

South ....................................................................... 4.4 5.9 –

South Atlantic ....................................................... 6.2 7.4 –

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

West South Central .............................................. 8.1 11.2 –

Midwest .................................................................... 6.9 7.4 –

East North Central ............................................... 8.6 9.8 –

West North Central .............................................. – 9.0 –

West ......................................................................... 6.8 6.4 –

Mountain .............................................................. – – –

Pacific .................................................................. 6.5 6.6 –

1 Early retirement is the age at which plan participants may retire and receive all accrued benefits, minus a

reduction for the number of years by which their retirement age precedes their normal retirement age. 2 Includes workers in plans with no minimum service requirements. 3 Surveyed occupations are classified into wage categories based on the average wage for the occupation,

which may include workers with earnings both above and below the threshold. The categories were formed using

percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs

for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 53. Traditional defined benefit plans: Early retirement service requirements,1

 private

industry workers, 2015

(Includes all workers in traditional defined benefit plans with early retirement coverage and a service requirement)

Characteristics

Early retirement service requirements

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 5 5 10 10 15

Management, professional, and related .................. 5 5 10 15 15

Management, business, and financial ................. 5 5 10 – 15

Professional and related ...................................... 5 5 – 15 15

Service ..................................................................... 5 5 – 10 15

Sales and office ....................................................... 5 5 10 10 15

Sales and related ................................................. 5 – 10 10 10

Office and administrative support ........................ 5 5 10 – 20

Natural resources, construction, and maintenance 5 – 10 10 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 5 – 10 10 –

Installation, maintenance, and repair ................... 5 – 10 – 25

Production, transportation, and material moving ..... 5 5 10 10 –

Production ............................................................ 5 – 10 – 30

Transportation and material moving .................... 5 5 – 10 –

Full time ................................................................... 5 5 10 – 15

Part time .................................................................. 5 5 10 10 10

Union ....................................................................... 5 5 10 10 20

Nonunion ................................................................. 5 5 10 10 15

Average wage within the following categories2:

Lowest 25 percent ............................................... 5 5 10 10 –

Second 25 percent ............................................... 5 5 – 10 15

Third 25 percent ................................................... 5 5 10 – –

Highest 25 percent ............................................... 5 5 10 – 15

Highest 10 percent ........................................... 5 5 10 – 15

Establishment characteristics

Goods-producing industries ..................................... 5 5 10 – –

Construction ......................................................... 5 – 10 10 10

Manufacturing ...................................................... 5 – 10 15 –

Service-providing industries ..................................... 5 5 10 10 15

Trade, transportation, and utilities ....................... 5 5 10 10 10

Wholesale trade ............................................... 5 – 10 10 10

Retail trade ...................................................... 5 – 10 10 10

Transportation and warehousing ..................... 5 5 – 10 –

Utilities ............................................................. 10 10 10 – –

Information ........................................................... – 5 – – 25

Financial activities ................................................ 5 5 5 10 15

Finance and insurance .................................... 5 5 5 – –

Credit intermediation and related activities .. 5 5 5 10 10

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

Education and health services ............................. 5 5 – 15 15

Educational services ........................................ – 5 5 – –

Junior colleges, colleges, and universities ... 3 3 5 10 15

Health care and social assistance ................... 5 5 – 15 15

See footnotes at end of table.
Table 53. Traditional defined benefit plans: Early retirement service requirements,1

 private

industry workers, 2015—continued

(Includes all workers in traditional defined benefit plans with early retirement coverage and a service requirement)

Characteristics

Early retirement service requirements

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 5 5 10 10 15

1 to 49 workers .................................................... 5 5 10 10 15

50 to 99 workers .................................................. 5 5 10 10 –

100 workers or more ................................................ 5 5 10 – –

100 to 499 workers .............................................. 5 5 10 – 15

500 workers or more ............................................ 5 5 – – –

Geographic areas

Northeast ................................................................. 5 5 5 10 15

New England ....................................................... 5 5 – – 15

Middle Atlantic ..................................................... 5 5 5 10 –

South ....................................................................... 5 5 10 – –

South Atlantic ....................................................... 5 5 10 15 15

East South Central ............................................... 5 10 10 10 –

West South Central .............................................. 5 5 – 10 –

Midwest .................................................................... 5 5 10 10 –

East North Central ............................................... 5 – 10 10 15

West North Central .............................................. 5 5 10 10 –

West ......................................................................... 5 5 – – 15

Mountain .............................................................. 5 5 5 – –

Pacific .................................................................. 5 5 10 – 15

1 Early retirement is the age at which plan participants may retire and receive all accrued benefits, minus a reduction for the number of years by

which their retirement age precedes their normal retirement age. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with

earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 53. Standard errors for traditional defined benefit plans: Early retirement service

requirements,1

 private industry workers, 2015

Characteristics

Early retirement service requirements

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 0.0 0.0 0.0 0.5 0.0

Management, professional, and related .................. 0.0 0.0 2.6 3.5 0.0

Management, business, and financial ................. 0.0 0.0 1.5 – 0.0

Professional and related ...................................... 0.0 0.0 – 1.3 0.0

Service ..................................................................... 0.0 0.0 – 1.8 0.0

Sales and office ....................................................... 0.0 0.0 0.0 0.0 3.3

Sales and related ................................................. 0.0 – 0.0 0.0 0.0

Office and administrative support ........................ 0.0 0.0 2.6 – 4.5

Natural resources, construction, and maintenance 0.0 – 0.0 0.0 –

Construction, extraction, farming, fishing, and

forestry ............................................................... 0.0 – 0.0 0.0 –

Installation, maintenance, and repair ................... 0.0 – 0.0 – 0.9

Production, transportation, and material moving ..... 0.0 0.0 1.3 0.5 –

Production ............................................................ 0.0 – 0.0 – 3.2

Transportation and material moving .................... 0.0 0.0 – 0.0 –

Full time ................................................................... 0.0 0.0 0.0 – 2.2

Part time .................................................................. 0.0 0.0 0.0 0.0 2.3

Union ....................................................................... 0.0 0.0 1.3 0.9 5.5

Nonunion ................................................................. 0.0 0.0 0.0 2.5 0.0

Average wage within the following categories2:

Lowest 25 percent ............................................... 0.0 0.0 0.0 0.0 –

Second 25 percent ............................................... 0.0 0.0 – 0.0 0.0

Third 25 percent ................................................... 0.0 0.0 0.9 – –

Highest 25 percent ............................................... 0.0 0.0 0.0 – 0.0

Highest 10 percent ........................................... 0.0 0.0 0.0 – 0.0

Establishment characteristics

Goods-producing industries ..................................... 0.0 0.0 0.0 – –

Construction ......................................................... 0.0 – 1.3 0.0 0.0

Manufacturing ...................................................... 0.0 – 0.0 2.9 –

Service-providing industries ..................................... 0.0 0.0 1.3 0.5 0.0

Trade, transportation, and utilities ....................... 0.0 0.0 0.0 0.0 0.9

Wholesale trade ............................................... 0.0 – 0.0 0.0 0.0

Retail trade ...................................................... 0.0 – 0.0 0.0 0.0

Transportation and warehousing ..................... 0.0 0.0 – 0.0 –

Utilities ............................................................. 0.0 0.0 0.0 – –

Information ........................................................... – 0.0 – – 0.0

Financial activities ................................................ 0.0 0.0 0.0 1.0 3.5

Finance and insurance .................................... 0.0 0.0 0.0 – –

Credit intermediation and related activities .. 0.0 0.0 0.4 1.5 0.0

Insurance carriers and related activities ...... 0.0 0.0 0.0 0.9 –

Education and health services ............................. 0.0 0.0 – 0.0 0.0

Educational services ........................................ – 0.0 0.0 – –

Junior colleges, colleges, and universities ... 0.0 0.0 0.0 0.0 0.0

Health care and social assistance ................... 0.0 0.0 – 0.0 0.0

See footnotes at end of table.
Table 53. Standard errors for traditional defined benefit plans: Early retirement service

requirements,1

 private industry workers, 2015—continued

Characteristics

Early retirement service requirements

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 0.0 0.0 0.0 0.0 2.0

1 to 49 workers .................................................... 0.0 0.0 0.0 2.6 0.0

50 to 99 workers .................................................. 0.0 0.0 1.2 0.0 –

100 workers or more ................................................ 0.0 0.0 0.9 – –

100 to 499 workers .............................................. 0.0 0.0 0.0 – 4.1

500 workers or more ............................................ 0.0 0.0 – – –

Geographic areas

Northeast ................................................................. 0.0 0.0 0.0 0.0 3.5

New England ....................................................... 0.0 0.0 – – 1.8

Middle Atlantic ..................................................... 0.0 0.0 0.0 2.0 –

South ....................................................................... 0.0 0.0 0.0 – –

South Atlantic ....................................................... 0.0 0.0 0.0 3.8 3.4

East South Central ............................................... 0.0 2.8 0.0 0.0 –

West South Central .............................................. 0.0 0.0 – 0.0 –

Midwest .................................................................... 0.0 1.3 0.0 0.0 –

East North Central ............................................... 0.0 – 0.0 1.7 4.5

West North Central .............................................. 0.0 1.3 0.0 2.0 –

West ......................................................................... 0.0 0.0 – – 0.0

Mountain .............................................................. 0.0 0.0 0.0 – –

Pacific .................................................................. 0.0 0.0 0.9 – 0.0

1 Early retirement is the age at which plan participants may retire and receive all accrued benefits, minus a reduction for the number of years by

which their retirement age precedes their normal retirement age. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with

earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 54. Defined contribution plans: Type of plan,1

 private industry workers, 2015

(All workers participating in defined contribution plans = 100 percent)

Characteristics Savings and

thrift

Deferred

profit

sharing

Money

purchase

pension

Employee

stock

ownership

Simplified

employee

pension

(SEP)

Savings

incentive

match plan

(SIMPLE)

Other

Worker characteristics

All workers ............................................................... 74 19 16 4 – 3 –

Management, professional, and related .................. 73 19 20 4 – 2 –

Management, business, and financial ................. 77 20 17 – – – –

Professional and related ...................................... 70 19 22 4 – – –

Service ..................................................................... 79 13 13 – – – –

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

Sales and office ....................................................... 79 18 11 6 – 3 –

Sales and related ................................................. 80 15 8 9 – – –

Office and administrative support ........................ 78 20 13 4 – – –

Natural resources, construction, and maintenance 59 18 19 – – – –

Installation, maintenance, and repair ................... 71 15 13 – – – –

Production, transportation, and material moving ..... 75 20 15 – – – –

Production ............................................................ 76 18 16 – – – –

Transportation and material moving .................... 72 22 – – – – –

Full time ................................................................... 74 19 16 4 – 3 –

Part time .................................................................. 75 13 11 11 – – –

Union ....................................................................... 67 – 27 – – – –

Nonunion ................................................................. 75 19 15 4 – 3 –

Average wage within the following categories2:

Lowest 25 percent ............................................... 78 18 7 7 – – –

Lowest 10 percent ........................................... 80 17 – – – – –

Second 25 percent ............................................... 80 18 9 3 – – –

Third 25 percent ................................................... 70 18 19 3 – 6 –

Highest 25 percent ............................................... 73 20 21 5 – 1 –

Highest 10 percent ........................................... 79 16 19 – – – –

Establishment characteristics

Goods-producing industries ..................................... 70 21 18 6 – 3 –

Manufacturing ...................................................... 75 20 17 – – – –

Service-providing industries ..................................... 76 18 15 4 – 3 –

Trade, transportation, and utilities ....................... 81 18 8 5 – – –

Wholesale trade ............................................... 84 20 – – – – –

Retail trade ...................................................... 79 18 – – – – –

Transportation and warehousing ..................... 80 – – – – – –

Utilities ............................................................. 90 – – – – – –

Information ........................................................... 83 19 – – – – –

Financial activities ................................................ 86 18 16 7 – – –

Finance and insurance .................................... 88 18 17 7 – – –

Credit intermediation and related activities .. 88 23 13 11 – – –

Insurance carriers and related activities ...... 91 12 17 – – – –

Professional and business services ..................... 73 20 – – – – –

Professional and technical services ................. 72 18 – – – – –

Education and health services ............................. 65 – 30 – – – –

Educational services ........................................ 41 – 57 – – – –

Junior colleges, colleges, and universities ... 37 – 82 – – – –

Health care and social assistance ................... 70 – 24 – – – –

See footnotes at end of table.
Table 54. Defined contribution plans: Type of plan,1

 private industry workers, 2015—continued

(All workers participating in defined contribution plans = 100 percent)

Characteristics Savings and

thrift

Deferred

profit

sharing

Money

purchase

pension

Employee

stock

ownership

Simplified

employee

pension

(SEP)

Savings

incentive

match plan

(SIMPLE)

Other

1 to 99 workers ........................................................ 66 21 14 4 – 7 –

1 to 49 workers .................................................... 64 22 12 5 – 9 –

50 to 99 workers .................................................. 71 19 19 – – – –

100 workers or more ................................................ 81 17 17 4 – – –

100 to 499 workers .............................................. 81 18 11 5 – – –

500 workers or more ............................................ 80 15 25 3 – – –

Geographic areas

Northeast ................................................................. 65 22 26 – – 3 –

New England ....................................................... 74 – 20 – – – –

Middle Atlantic ..................................................... 61 20 29 – – 3 –

South ....................................................................... 82 14 12 5 – – –

South Atlantic ....................................................... 82 17 16 – – 2 –

East South Central ............................................... 84 – – – – – –

West South Central .............................................. 80 14 8 – – – –

Midwest .................................................................... 72 19 14 – – – –

East North Central ............................................... 73 – 16 – – – –

West North Central .............................................. 70 – 11 – – 6 –

West ......................................................................... 74 21 14 – – – –

Mountain .............................................................. 79 – 9 – – – –

Pacific .................................................................. 72 18 17 – – – –

1 Sum of individual items may be greater than total because multiple plans are available to some employees. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and

below the threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 54. Standard errors for defined contribution plans: Type of plan, private industry workers, 2015

Characteristics Savings and

thrift

Deferred

profit

sharing

Money

purchase

pension

Employee

stock

ownership

Simplified

employee

pension

(SEP)

Savings

incentive

match plan

(SIMPLE)

Other

Worker characteristics

All workers ............................................................... 1.9 1.7 1.3 0.7 – 0.5 –

Management, professional, and related .................. 2.6 2.6 2.2 1.1 – 0.6 –

Management, business, and financial ................. 3.1 3.1 2.5 – – – –

Professional and related ...................................... 3.2 3.4 2.7 1.1 – – –

Service ..................................................................... 4.0 3.5 2.2 – – – –

Protective service ................................................ 4.8 – – – – – –

Sales and office ....................................................... 2.0 2.1 1.2 1.0 – 0.7 –

Sales and related ................................................. 2.9 2.0 2.0 2.4 – – –

Office and administrative support ........................ 2.3 2.9 1.4 0.7 – – –

Natural resources, construction, and maintenance 4.0 3.0 2.9 – – – –

Installation, maintenance, and repair ................... 4.6 2.7 2.8 – – – –

Production, transportation, and material moving ..... 3.0 2.6 2.7 – – – –

Production ............................................................ 3.0 2.7 3.2 – – – –

Transportation and material moving .................... 5.4 4.6 – – – – –

Full time ................................................................... 2.0 1.9 1.4 0.7 – 0.6 –

Part time .................................................................. 3.2 2.4 2.2 2.7 – – –

Union ....................................................................... 3.3 – 3.8 – – – –

Nonunion ................................................................. 1.9 1.7 1.3 0.7 – 0.6 –

Average wage within the following categories1:

Lowest 25 percent ............................................... 3.1 2.7 1.7 2.0 – – –

Lowest 10 percent ........................................... 6.7 4.6 – – – – –

Second 25 percent ............................................... 2.6 2.9 1.1 0.6 – – –

Third 25 percent ................................................... 2.7 1.7 1.9 0.7 – 1.4 –

Highest 25 percent ............................................... 2.5 2.3 2.0 1.4 – 0.4 –

Highest 10 percent ........................................... 2.4 2.6 2.3 – – – –

Establishment characteristics

Goods-producing industries ..................................... 3.2 3.0 2.7 1.8 – 0.7 –

Manufacturing ...................................................... 3.2 3.8 3.2 – – – –

Service-providing industries ..................................... 2.3 2.1 1.5 0.7 – 0.7 –

Trade, transportation, and utilities ....................... 2.6 1.9 1.7 0.9 – – –

Wholesale trade ............................................... 3.3 3.5 – – – – –

Retail trade ...................................................... 2.4 2.5 – – – – –

Transportation and warehousing ..................... 7.3 – – – – – –

Utilities ............................................................. 4.8 – – – – – –

Information ........................................................... 6.3 5.0 – – – – –

Financial activities ................................................ 2.1 2.2 2.2 1.4 – – –

Finance and insurance .................................... 1.8 2.7 2.3 1.4 – – –

Credit intermediation and related activities .. 2.1 3.2 3.0 2.2 – – –

Insurance carriers and related activities ...... 2.2 3.2 4.1 – – – –

Professional and business services ..................... 5.2 4.7 – – – – –

Professional and technical services ................. 5.0 4.7 – – – – –

Education and health services ............................. 6.3 – 3.6 – – – –

Educational services ........................................ 6.8 – 5.3 – – – –

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

Health care and social assistance ................... 7.7 – 4.3 – – – –

See footnotes at end of table.
Table 54. Standard errors for defined contribution plans: Type of plan, private industry workers,

2015—continued

Characteristics Savings and

thrift

Deferred

profit

sharing

Money

purchase

pension

Employee

stock

ownership

Simplified

employee

pension

(SEP)

Savings

incentive

match plan

(SIMPLE)

Other

1 to 99 workers ........................................................ 2.9 2.5 2.1 1.0 – 1.2 –

1 to 49 workers .................................................... 3.3 2.8 1.9 1.4 – 1.7 –

50 to 99 workers .................................................. 5.4 3.7 5.2 – – – –

100 workers or more ................................................ 1.6 1.8 1.4 1.0 – – –

100 to 499 workers .............................................. 2.4 2.6 1.7 1.5 – – –

500 workers or more ............................................ 2.3 2.3 2.9 1.0 – – –

Geographic areas

Northeast ................................................................. 4.7 3.5 4.5 – – 0.7 –

New England ....................................................... 6.9 – 3.9 – – – –

Middle Atlantic ..................................................... 5.6 3.9 6.1 – – 0.9 –

South ....................................................................... 1.4 1.5 1.6 1.5 – – –

South Atlantic ....................................................... 1.9 1.7 2.8 – – 0.6 –

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

West South Central .............................................. 2.9 3.5 1.4 – – – –

Midwest .................................................................... 4.9 4.8 1.7 – – – –

East North Central ............................................... 5.7 – 2.0 – – – –

West North Central .............................................. 9.0 – 3.1 – – 1.3 –

West ......................................................................... 4.5 4.2 3.1 – – – –

Mountain .............................................................. 7.2 – 2.6 – – – –

Pacific .................................................................. 5.8 3.8 4.6 – – – –

1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and

below the threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for

Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 55. Deferred profit-sharing plans: Employee contributions allowed and annuity availability, private industry

workers, 2015

(All workers participating in deferred profit sharing plans = 100 percent)

Characteristics

Employee contributions allowed Annuity available

Yes No Not

determinable Yes No Notdeterminable

Worker characteristics

All workers ............................................................... 20 80 1 ( ) 21 68 11

Management, professional, and related .................. – 83 – 29 61 10

Management, business, and financial ................. 21 79 1 ( ) – 62 –

Professional and related ...................................... – 86 – 33 60 6

Sales and office ....................................................... 19 80 1 ( ) 11 83 6

Sales and related ................................................. – 82 – – 90 –

Office and administrative support ........................ 20 80 1 ( ) 14 80 6

Natural resources, construction, and maintenance – 75 ––––

Production, transportation, and material moving ..... 28 72 – 20 65 16

Production ............................................................ – 78 – – 64 –

Full time ................................................................... 19 81 1 ( ) 22 67 11

Part time .................................................................. 27 73 – – 88 –

Nonunion ................................................................. 21 79 1 ( ) 21 67 12

Average wage within the following categories2:

Lowest 25 percent ............................................... 19 81 – – 78 –

Second 25 percent ............................................... 17 83 1 ( ) 14 74 11

Third 25 percent ................................................... 22 78 – 18 72 9

Highest 25 percent ............................................... 20 80 1 ( ) 29 60 11

Highest 10 percent ........................................... – 80 – 29 63 8

Establishment characteristics

Goods-producing industries ..................................... 24 76 – 43 45 12

Service-providing industries ..................................... 18 82 1 ( ) 14 76 11

Trade, transportation, and utilities ....................... 20 80 – – 87 –

Financial activities ................................................ 18 81 1 20 66 14

Finance and insurance .................................... – 81 – 22 65 13

1 to 99 workers ........................................................ 20 80 1 ( ) 22 67 11

1 to 49 workers .................................................... 22 77 1 ( ) 19 69 12

50 to 99 workers .................................................. – 87 – 31 61 8

100 workers or more ................................................ 19 81 – 19 70 11

100 to 499 workers .............................................. 27 73 – – 75 –

500 workers or more ............................................ – 93 – – 61 –

Geographic areas

Northeast ................................................................. – 76 – 16 74 10

Middle Atlantic ..................................................... – 79 – 16 72 11

South ....................................................................... 23 77 – 24 62 14

South Atlantic ....................................................... 17 83 – 32 49 19

West South Central .............................................. – 63 – – 83 –

Midwest .................................................................... – 81 – – 81 –

East North Central ............................................... – 90 – – 82 –

West ......................................................................... – 86 – – 58 –

Pacific .................................................................. – 83 – 58 – –

1 Less than 0.5. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the

threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee

Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 55. Standard errors for deferred profit-sharing plans: Employee contributions allowed and annuity

availability, private industry workers, 2015

Characteristics

Employee contributions allowed Annuity available

Yes No Not

determinable Yes No Notdeterminable

Worker characteristics

All workers ............................................................... 3.7 3.7 0.1 3.7 3.7 1.9

Management, professional, and related .................. – 5.1 – 6.7 6.0 2.7

Management, business, and financial ................. 5.8 5.8 0.2 – 6.7 –

Professional and related ...................................... – 6.9 – 9.6 9.0 3.1

Sales and office ....................................................... 4.4 4.4 0.2 2.3 2.8 1.5

Sales and related ................................................. – 6.2 – – 3.7 –

Office and administrative support ........................ 5.3 5.3 0.1 3.3 4.1 2.0

Natural resources, construction, and maintenance – 7.9 ––––

Production, transportation, and material moving ..... 5.6 5.6 – 4.9 5.2 5.4

Production ............................................................ – 7.3 – – 7.9 –

Full time ................................................................... 3.6 3.7 0.1 3.9 3.9 2.1

Part time .................................................................. 7.7 7.7 – – 4.5 –

Nonunion ................................................................. 3.8 3.8 0.1 3.8 3.5 2.0

Average wage within the following categories1:

Lowest 25 percent ............................................... 5.4 5.4 – – 4.4 –

Second 25 percent ............................................... 4.4 4.4 0.1 3.6 5.4 3.7

Third 25 percent ................................................... 4.2 4.2 – 4.8 4.6 2.1

Highest 25 percent ............................................... 5.7 5.8 0.3 7.0 6.2 2.9

Highest 10 percent ........................................... – 7.5 – 7.7 7.1 2.8

Establishment characteristics

Goods-producing industries ..................................... 5.6 5.6 – 8.1 7.6 4.3

Service-providing industries ..................................... 4.5 4.5 0.2 3.0 3.5 2.2

Trade, transportation, and utilities ....................... 5.6 5.6 – – 3.5 –

Financial activities ................................................ 4.9 5.6 1.3 4.4 5.2 3.7

Finance and insurance .................................... – 6.3 – 5.1 6.4 4.1

1 to 99 workers ........................................................ 4.7 4.7 0.3 4.4 5.3 3.0

1 to 49 workers .................................................... 5.9 6.0 0.4 4.9 5.9 3.7

50 to 99 workers .................................................. – 6.8 – 8.4 11.0 5.2

100 workers or more ................................................ 4.7 4.7 – 5.1 5.8 2.7

100 to 499 workers .............................................. 6.9 6.9 – – 6.5 –

500 workers or more ............................................ – 2.6 – – 9.7 –

Geographic areas

Northeast ................................................................. – 10.0 – 3.6 5.0 3.9

Middle Atlantic ..................................................... – 9.4 – 2.0 4.9 4.4

South ....................................................................... 4.8 4.8 – 5.0 4.5 4.0

South Atlantic ....................................................... 3.1 3.1 – 7.4 5.9 6.1

West South Central .............................................. – 12.0 – – 8.3 –

Midwest .................................................................... – 9.0 – – 6.2 –

East North Central ............................................... – 7.2 – – 8.2 –

West ......................................................................... – 4.7 – – 9.2 –

Pacific .................................................................. – 5.9 – 15.1 – –

1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the

threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee

Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 56. Money purchase pension plans: Employee contributions allowed,

private industry workers, 2015

(All workers participating in money purchase pension plans = 100 percent)

Characteristics

Employee contributions allowed

Yes No Not

determinable

Worker characteristics

All workers ............................................................... 25 72 3

Management, professional, and related .................. 26 69 5

Management, business, and financial ................. – 76 –

Professional and related ...................................... 27 65 8

Service ..................................................................... 46 53 1

Sales and office ....................................................... – 76 –

Office and administrative support ........................ 20 79 1

Natural resources, construction, and maintenance 13 87 –

Installation, maintenance, and repair ................... – 86 –

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

Production ............................................................ – 95 –

Full time ................................................................... 24 73 3

Part time .................................................................. – 58 –

Union ....................................................................... 48 52 1 ( )

Nonunion ................................................................. 21 76 3

Average wage within the following categories2:

Lowest 25 percent ............................................... – 78 –

Second 25 percent ............................................... 21 78 1 ( )

Third 25 percent ................................................... 32 64 4

Highest 25 percent ............................................... 22 75 3

Highest 10 percent ........................................... 19 77 3

Establishment characteristics

Goods-producing industries ..................................... – 92 –

Service-providing industries ..................................... 30 66 3

Trade, transportation, and utilities ....................... 26 74 –

Financial activities ................................................ – 84 –

Finance and insurance .................................... – 89 –

Education and health services ............................. 33 63 4

Educational services ........................................ 52 36 12

Junior colleges, colleges, and universities ... 56 41 3

1 to 99 workers ........................................................ – 70 –

1 to 49 workers .................................................... – 82 –

50 to 99 workers .................................................. – – 5

100 workers or more ................................................ 26 74 1

100 to 499 workers .............................................. – 76 –

500 workers or more ............................................ 28 72 1 ( )

See footnotes at end of table.
Table 56. Money purchase pension plans: Employee contributions allowed,

private industry workers, 2015—continued

(All workers participating in money purchase pension plans = 100 percent)

Characteristics

Employee contributions allowed

Yes No Not

determinable

Geographic areas

Northeast ................................................................. 40 56 4

New England ....................................................... 27 68 5

Middle Atlantic ..................................................... 44 53 3

South ....................................................................... 8 92 –

South Atlantic ....................................................... – 91 –

West South Central .............................................. – 92 –

Midwest .................................................................... 29 68 3

East North Central ............................................... 25 75 –

West North Central .............................................. – 49 –

West ......................................................................... – 77 –

Pacific .................................................................. – 80 –

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

may include workers with earnings both above and below the threshold. The categories were formed using percentile

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

Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 56. Standard errors for money purchase pension plans: Employee

contributions allowed, private industry workers, 2015

Characteristics

Employee contributions allowed

Yes No Not

determinable

Worker characteristics

All workers ............................................................... 4.4 4.3 1.1

Management, professional, and related .................. 5.7 5.8 2.1

Management, business, and financial ................. – 7.6 –

Professional and related ...................................... 5.5 6.0 3.1

Service ..................................................................... 8.3 8.1 1.3

Sales and office ....................................................... – 7.8 –

Office and administrative support ........................ 5.6 5.6 0.5

Natural resources, construction, and maintenance 3.7 3.7 –

Installation, maintenance, and repair ................... – 7.0 –

Production, transportation, and material moving ..... – 7.8 –

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

Full time ................................................................... 4.3 4.3 1.1

Part time .................................................................. – 12.8 –

Union ....................................................................... 7.6 7.5 0.2

Nonunion ................................................................. 4.7 4.7 1.2

Average wage within the following categories1:

Lowest 25 percent ............................................... – 11.0 –

Second 25 percent ............................................... 5.8 5.8 0.3

Third 25 percent ................................................... 6.9 6.8 1.8

Highest 25 percent ............................................... 4.0 4.2 1.5

Highest 10 percent ........................................... 3.6 3.9 1.7

Establishment characteristics

Goods-producing industries ..................................... – 3.4 –

Service-providing industries ..................................... 5.4 5.4 1.4

Trade, transportation, and utilities ....................... 7.3 7.3 –

Financial activities ................................................ – 5.0 –

Finance and insurance .................................... – 4.8 –

Education and health services ............................. 5.7 5.8 2.2

Educational services ........................................ 6.3 2.7 5.7

Junior colleges, colleges, and universities ... 5.0 3.6 2.3

1 to 99 workers ........................................................ – 9.1 –

1 to 49 workers .................................................... – 5.5 –

50 to 99 workers .................................................. – – 3.7

100 workers or more ................................................ 4.2 4.2 0.4

100 to 499 workers .............................................. – 7.5 –

500 workers or more ............................................ 4.6 4.6 0.3

See footnotes at end of table.
Table 56. Standard errors for money purchase pension plans: Employee

contributions allowed, private industry workers, 2015—continued

Characteristics

Employee contributions allowed

Yes No Not

determinable

Geographic areas

Northeast ................................................................. 10.0 9.6 2.3

New England ....................................................... 7.6 8.8 5.4

Middle Atlantic ..................................................... 12.1 11.5 2.2

South ....................................................................... 2.4 2.4 –

South Atlantic ....................................................... – 3.3 –

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

Midwest .................................................................... 6.3 6.6 2.0

East North Central ............................................... 6.7 6.7 –

West North Central .............................................. – 14.7 –

West ......................................................................... – 8.9 –

Pacific .................................................................. – 10.7 –

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

may include workers with earnings both above and below the threshold. The categories were formed using percentile

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

Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 57. Savings and thrift plans: Summary of provisions,1

 private industry workers, 2015

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Pretax

contribution

Post-tax

contribution2

Automatic

enrollment

provision3

Employee

choice of

investment

for employee

funds

Employee

choice of

investment

for employer

funds

Worker characteristics

All workers ............................................................... 100 50 38 87 81

Management, professional, and related .................. 100 54 43 87 81

Management, business, and financial ................. 100 57 43 90 80

Professional and related ...................................... 100 53 43 85 81

Service ..................................................................... 100 46 25 84 –

Protective service ................................................ 100 68 – 84 82

Sales and office ....................................................... 100 50 33 89 83

Sales and related ................................................. 100 41 25 87 –

Office and administrative support ........................ 100 55 37 91 86

Natural resources, construction, and maintenance 100 36 36 81 76

Installation, maintenance, and repair ................... 100 39 41 78 74

Production, transportation, and material moving ..... 100 44 45 85 81

Production ............................................................ 100 44 45 82 78

Transportation and material moving .................... 100 43 44 90 85

Full time ................................................................... 100 50 39 87 81

Part time .................................................................. 100 49 28 87 81

Union ....................................................................... 100 44 28 90 80

Nonunion ................................................................. 100 50 39 87 81

Average wage within the following categories4:

Lowest 25 percent ............................................... 100 45 23 85 79

Lowest 10 percent ........................................... 100 34 – – –

Second 25 percent ............................................... 100 44 36 88 83

Third 25 percent ................................................... 100 45 43 87 82

Highest 25 percent ............................................... 100 58 43 87 79

Highest 10 percent ........................................... 100 64 45 92 83

Establishment characteristics

Goods-producing industries ..................................... 100 50 50 86 80

Manufacturing ...................................................... 100 53 54 86 82

Service-providing industries ..................................... 100 49 35 87 81

Trade, transportation, and utilities ....................... 100 37 32 85 81

Wholesale trade ............................................... 100 32 40 90 83

Retail trade ...................................................... 100 37 24 84 79

Transportation and warehousing ..................... 100 36 38 80 78

Utilities ............................................................. 100 85 40 92 89

Information ........................................................... 100 63 46 91 80

Financial activities ................................................ 100 68 47 91 85

Finance and insurance .................................... 100 72 50 91 87

Credit intermediation and related activities .. 100 70 40 91 87

Insurance carriers and related activities ...... 100 70 63 91 85

Professional and business services ..................... 100 64 38 93 89

Professional and technical services ................. 100 67 24 89 83

Education and health services ............................. 100 – 31 81 –

Educational services ........................................ 100 43 – 92 90

Junior colleges, colleges, and universities ... 100 30 – 96 92

Health care and social assistance ................... 100 – 33 – –

See footnotes at end of table.
Table 57. Savings and thrift plans: Summary of provisions,1

 private industry workers,

2015—continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Pretax

contribution

Post-tax

contribution2

Automatic

enrollment

provision3

Employee

choice of

investment

for employee

funds

Employee

choice of

investment

for employer

funds

1 to 99 workers ........................................................ 100 47 33 84 –

1 to 49 workers .................................................... 100 47 32 83 –

50 to 99 workers .................................................. 100 47 36 86 77

100 workers or more ................................................ 100 51 41 89 84

100 to 499 workers .............................................. 100 45 35 88 83

500 workers or more ............................................ 100 59 49 90 86

Geographic areas

Northeast ................................................................. 100 48 37 88 78

New England ....................................................... 100 26 – 82 –

Middle Atlantic ..................................................... 100 57 42 91 84

South ....................................................................... 100 54 35 89 82

South Atlantic ....................................................... 100 54 38 92 88

East South Central ............................................... 100 50 29 92 –

West South Central .............................................. 100 55 33 82 –

Midwest .................................................................... 100 39 41 84 82

East North Central ............................................... 100 38 45 86 84

West North Central .............................................. 100 42 32 79 78

West ......................................................................... 100 55 42 87 –

Mountain .............................................................. 100 49 42 84 80

Pacific .................................................................. 100 59 42 89 –

1 The remaining workers include both workers not receiving the benefit and workers for whom the availability of the benefit could not be

determined. 2 Under these plans, employees are allowed to have part or all of their post-tax retirement plan contributions grow tax free. 3 The employer automatically enrolls employees in the plan at a specified rate of contribution (e.g., 3 percent of earnings), unless the employee

opts out of the plan. 4 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with

earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 57. Standard errors for savings and thrift plans: Summary of provisions,1

 private

industry workers, 2015

Characteristics Pretax

contribution

Post-tax

contribution2

Automatic

enrollment

provision3

Employee

choice of

investment

for employee

funds

Employee

choice of

investment

for employer

funds

Worker characteristics

All workers ............................................................... 0.0 2.3 1.7 1.3 1.4

Management, professional, and related .................. 0.0 3.6 2.9 2.2 2.2

Management, business, and financial ................. 0.0 4.2 3.5 1.6 2.4

Professional and related ...................................... 4 ( ) 4.1 3.4 3.2 3.2

Service ..................................................................... 0.0 6.5 5.7 4.4 –

Protective service ................................................ 0.0 11.0 – 8.5 8.9

Sales and office ....................................................... 0.0 2.9 2.1 1.3 2.4

Sales and related ................................................. 0.0 5.5 3.2 3.1 –

Office and administrative support ........................ 0.0 2.8 2.8 1.9 2.2

Natural resources, construction, and maintenance 0.0 4.3 3.7 4.6 4.5

Installation, maintenance, and repair ................... 0.0 4.8 4.5 5.3 5.1

Production, transportation, and material moving ..... 0.0 3.3 4.5 3.2 3.1

Production ............................................................ 0.0 4.2 7.0 4.8 5.0

Transportation and material moving .................... 4 ( ) 6.6 5.2 2.6 2.4

Full time ................................................................... 4 ( ) 2.4 1.7 1.4 1.6

Part time .................................................................. 0.0 5.0 3.3 3.1 3.4

Union ....................................................................... 0.0 6.4 5.5 2.8 3.6

Nonunion ................................................................. 0.0 2.5 1.8 1.4 1.5

Average wage within the following categories5:

Lowest 25 percent ............................................... 0.0 4.9 3.4 3.4 3.8

Lowest 10 percent ........................................... 0.0 8.1 – – –

Second 25 percent ............................................... 0.0 3.5 3.3 2.2 2.4

Third 25 percent ................................................... 4 ( ) 2.7 2.2 1.8 1.8

Highest 25 percent ............................................... 0.0 3.7 3.0 2.2 2.6

Highest 10 percent ........................................... 0.0 4.5 4.0 1.4 2.8

Establishment characteristics

Goods-producing industries ..................................... 4 ( ) 3.2 4.7 2.6 3.0

Manufacturing ...................................................... 0.0 3.4 5.3 3.5 3.8

Service-providing industries ..................................... 0.0 2.8 1.6 1.5 1.6

Trade, transportation, and utilities ....................... 0.0 3.6 2.1 1.9 1.7

Wholesale trade ............................................... 0.0 5.3 3.9 3.6 4.4

Retail trade ...................................................... 0.0 4.9 3.0 2.5 2.8

Transportation and warehousing ..................... 0.0 8.6 7.5 8.3 8.3

Utilities ............................................................. 0.0 5.9 9.3 4.8 4.3

Information ........................................................... 4 ( ) 5.9 7.5 3.5 5.1

Financial activities ................................................ 0.0 3.1 3.2 1.4 1.6

Finance and insurance .................................... 0.0 3.5 3.3 1.4 1.6

Credit intermediation and related activities .. 4 ( ) 5.4 5.1 2.3 2.5

Insurance carriers and related activities ...... 0.0 5.5 4.0 2.6 3.3

Professional and business services ..................... 0.0 7.7 5.4 2.6 3.9

Professional and technical services ................. 0.0 9.4 5.0 4.3 6.1

Education and health services ............................. 0.0 – 4.6 6.2 –

Educational services ........................................ 0.0 7.9 – 4.8 5.0

Junior colleges, colleges, and universities ... 0.0 5.9 – 4.0 4.8

Health care and social assistance ................... 0.0 – 5.2 – –

See footnotes at end of table.
Table 57. Standard errors for savings and thrift plans: Summary of provisions,1

 private

industry workers, 2015—continued

Characteristics Pretax

contribution

Post-tax

contribution2

Automatic

enrollment

provision3

Employee

choice of

investment

for employee

funds

Employee

choice of

investment

for employer

funds

1 to 99 workers ........................................................ 0.0 3.6 2.9 2.5 –

1 to 49 workers .................................................... 0.0 4.3 3.3 2.2 –

50 to 99 workers .................................................. 0.0 6.9 5.7 6.7 6.8

100 workers or more ................................................ 0.0 2.3 2.4 1.4 1.5

100 to 499 workers .............................................. 0.0 3.2 2.7 1.8 2.0

500 workers or more ............................................ 4 ( ) 3.4 3.7 2.2 2.3

Geographic areas

Northeast ................................................................. 0.0 9.0 5.0 1.9 2.9

New England ....................................................... 0.0 4.1 – 3.8 –

Middle Atlantic ..................................................... 0.0 12.1 6.6 2.1 2.6

South ....................................................................... 0.0 2.6 2.1 1.9 2.4

South Atlantic ....................................................... 0.0 2.5 3.2 1.5 1.0

East South Central ............................................... 0.0 11.8 4.5 2.8 –

West South Central .............................................. 0.0 4.6 3.0 5.6 –

Midwest .................................................................... 0.0 2.6 3.8 2.2 2.4

East North Central ............................................... 0.0 2.9 4.7 2.7 3.1

West North Central .............................................. 4 ( ) 5.3 4.5 2.9 2.8

West ......................................................................... 0.0 6.2 3.4 4.1 –

Mountain .............................................................. 0.0 12.6 5.2 9.3 8.9

Pacific .................................................................. 0.0 6.1 4.4 2.7 –

1 The remaining workers include both workers not receiving the benefit and workers for whom the availability of the benefit could not be

determined. 2 Under these plans, employees are allowed to have part or all of their post-tax retirement plan contributions grow tax free. 3 The employer automatically enrolls employees in the plan at a specified rate of contribution (e.g., 3 percent of earnings), unless the employee

opts out of the plan. 4 Less than 0.05. 5 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with

earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 58. Savings and thrift plans: Maximum employee contributions, private industry workers, 2015

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Percent of

earnings

Percent of earnings, up to Internal Revenue Code limit Any amount

up to Internal

Revenue

Code limit

Other Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 60 25 50 50 75 80 39 – –

Management, professional, and related .................. 58 25 50 50 75 85 42 – –

Management, business, and financial ................. 62 25 35 50 75 80 38 – –

Professional and related ...................................... 55 25 50 60 75 85 45 – –

Service ..................................................................... 54 25 50 75 75 80 46 – –

Protective service ................................................ 78 50 – 75 75 75 – – –

Sales and office ....................................................... 66 40 50 50 75 80 34 – –

Sales and related ................................................. 77 40 50 50 – 80 23 – –

Office and administrative support ........................ 60 – 50 50 75 90 40 – –

Natural resources, construction, and maintenance 58 25 50 – 75 – 41 – –

Installation, maintenance, and repair ................... 63 25 40 50 75 85 35 – –

Production, transportation, and material moving ..... 61 25 50 50 75 75 39 – –

Production ............................................................ 53 25 – 50 75 75 47 – –

Transportation and material moving .................... 73 – 50 50 75 80 27 – –

Full time ................................................................... 59 25 50 50 75 80 41 – –

Part time .................................................................. 71 30 50 50 75 80 29 – –

Union ....................................................................... 67 25 50 50 75 75 32 – –

Nonunion ................................................................. 60 25 50 50 75 80 40 – –

Average wage within the following categories1:

Lowest 25 percent ............................................... 63 25 50 50 75 80 37 – –

Lowest 10 percent ........................................... 60 25 – 50 – 75 40 – –

Second 25 percent ............................................... 62 – 50 50 75 80 38 – –

Third 25 percent ................................................... 54 25 50 50 75 80 46 – –

Highest 25 percent ............................................... 63 25 50 50 75 – 36 – –

Highest 10 percent ........................................... 69 25 50 50 75 85 31 – –

Establishment characteristics

Goods-producing industries ..................................... 57 25 50 50 75 75 43 – –

Manufacturing ...................................................... 60 25 40 50 65 75 40 – –

Service-providing industries ..................................... 61 25 50 50 75 85 39 – –

Trade, transportation, and utilities ....................... 72 25 50 50 60 80 27 – –

Wholesale trade ............................................... 59 – 25 50 60 75 41 – –

Retail trade ...................................................... 76 30 50 50 – 80 24 – –

Transportation and warehousing ..................... 78 35 50 50 – 90 – – –

Utilities ............................................................. 78 25 30 50 75 75 – – –

Information ........................................................... 77 25 – 50 75 80 23 – –

Financial activities ................................................ 66 40 50 50 75 80 34 – –

Finance and insurance .................................... 69 40 50 50 75 80 31 – –

Credit intermediation and related activities .. 66 50 50 50 75 80 34 – –

Insurance carriers and related activities ...... 69 30 50 50 75 80 31 – –

Professional and business services ..................... 73 – 50 50 75 90 27 – –

Professional and technical services ................. 69 25 50 60 80 90 31 – –

Education and health services ............................. 25 – – 75 90 95 75 – –

Educational services ........................................ – – – – – – 85 – –

Junior colleges, colleges, and universities ... 18 75 75 75 92 95 82 – –

Health care and social assistance ................... 26 – – 75 80 99 74 – –

See footnotes at end of table.
Table 58. Savings and thrift plans: Maximum employee contributions, private industry workers, 2015—continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics Percent of

earnings

Percent of earnings, up to Internal Revenue Code limit Any amount

up to Internal

Revenue

Code limit

Other Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 52 25 50 50 75 85 48 – –

1 to 49 workers .................................................... 48 25 50 50 75 85 52 – –

50 to 99 workers .................................................. 60 – 50 50 75 80 40 – –

100 workers or more ................................................ 65 25 50 50 75 80 34 – –

100 to 499 workers .............................................. 67 30 50 50 75 80 32 – –

500 workers or more ............................................ 63 25 50 50 75 85 37 – –

Geographic areas

Northeast ................................................................. 53 25 50 50 – 80 46 – –

New England ....................................................... 57 30 50 50 75 80 43 – –

Middle Atlantic ..................................................... 52 25 50 50 – 80 47 – –

South ....................................................................... 66 25 50 50 75 80 34 – –

South Atlantic ....................................................... 67 25 50 50 75 80 33 – –

East South Central ............................................... 66 – 50 50 50 75 34 – –

West South Central .............................................. 64 – 50 50 75 85 36 – –

Midwest .................................................................... 58 – 50 50 75 80 42 – –

East North Central ............................................... 58 – 50 50 75 80 42 – –

West North Central .............................................. 59 25 50 50 75 80 41 – –

West ......................................................................... 59 25 50 50 75 90 41 – –

Mountain .............................................................. 58 25 50 50 75 80 42 – –

Pacific .................................................................. 60 25 50 50 75 90 40 – –

1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories were

formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 58. Standard errors for savings and thrift plans: Maximum employee contributions, private industry workers, 2015

Characteristics Percent of

earnings

Percent of earnings, up to Internal Revenue Code limit Any amount

up to Internal

Revenue

Code limit

Other Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 1.9 0.0 0.0 0.0 0.0 1.5 1.9 – –

Management, professional, and related .................. 3.0 0.0 2.0 0.0 0.0 6.9 3.0 – –

Management, business, and financial ................. 3.6 0.0 9.1 0.0 4.0 3.2 3.5 – –

Professional and related ...................................... 3.9 0.9 0.0 10.5 3.2 6.4 3.9 – –

Service ..................................................................... 6.2 0.9 0.0 8.7 0.9 0.0 6.2 – –

Protective service ................................................ 9.7 7.1 – 0.0 0.0 0.0 – – –

Sales and office ....................................................... 2.6 9.9 0.0 0.0 0.0 3.0 2.6 – –

Sales and related ................................................. 3.1 11.8 0.0 0.0 – 4.0 3.1 – –

Office and administrative support ........................ 3.3 – 0.0 0.0 0.0 8.6 3.4 – –

Natural resources, construction, and maintenance 5.3 0.0 10.5 – 0.0 – 5.2 – –

Installation, maintenance, and repair ................... 5.4 0.0 11.7 3.2 0.0 8.5 5.2 – –

Production, transportation, and material moving ..... 2.9 2.0 0.0 0.0 6.2 6.3 2.9 – –

Production ............................................................ 4.2 7.4 – 4.5 6.3 0.0 4.2 – –

Transportation and material moving .................... 5.0 – 0.0 0.0 14.6 10.9 5.0 – –

Full time ................................................................... 1.9 0.0 0.0 0.0 0.0 2.7 1.9 – –

Part time .................................................................. 4.4 7.1 0.0 0.0 7.5 0.0 4.4 – –

Union ....................................................................... 5.9 3.5 0.0 10.9 0.0 0.0 5.9 – –

Nonunion ................................................................. 2.0 0.0 0.0 0.0 0.0 2.2 2.0 – –

Average wage within the following categories1:

Lowest 25 percent ............................................... 4.2 4.8 0.0 0.0 0.0 0.0 4.2 – –

Lowest 10 percent ........................................... 10.7 3.2 – 0.0 – 0.0 10.7 – –

Second 25 percent ............................................... 2.9 – 0.0 6.3 0.0 9.5 2.9 – –

Third 25 percent ................................................... 2.4 1.2 0.0 0.0 0.0 0.0 2.4 – –

Highest 25 percent ............................................... 3.0 0.0 1.8 0.0 0.0 – 3.0 – –

Highest 10 percent ........................................... 4.0 0.0 3.2 0.0 0.0 5.9 4.0 – –

Establishment characteristics

Goods-producing industries ..................................... 3.2 0.0 10.5 1.8 5.4 0.0 3.2 – –

Manufacturing ...................................................... 3.5 0.0 10.2 0.0 13.6 0.0 3.5 – –

Service-providing industries ..................................... 2.3 0.9 0.0 0.0 0.0 6.3 2.3 – –

Trade, transportation, and utilities ....................... 2.3 2.2 1.8 0.0 14.5 2.4 2.4 – –

Wholesale trade ............................................... 6.8 – 1.3 0.0 15.7 0.0 6.8 – –

Retail trade ...................................................... 2.1 1.3 0.0 0.0 – 0.0 2.1 – –

Transportation and warehousing ..................... 7.0 3.6 3.2 0.0 – 0.0 – – –

Utilities ............................................................. 7.4 1.6 7.4 0.0 15.1 0.0 – – –

Information ........................................................... 6.3 0.0 – 2.6 0.9 1.3 6.3 – –

Financial activities ................................................ 3.3 9.0 0.0 0.0 4.0 3.2 3.3 – –

Finance and insurance .................................... 3.2 5.8 0.0 0.0 4.0 0.0 3.2 – –

Credit intermediation and related activities .. 5.1 0.0 0.0 0.0 0.0 3.2 5.1 – –

Insurance carriers and related activities ...... 3.6 8.8 0.0 0.0 3.9 4.9 3.6 – –

Professional and business services ..................... 6.3 – 0.0 13.2 5.2 5.2 6.3 – –

Professional and technical services ................. 7.8 0.0 0.0 14.1 5.7 0.0 7.8 – –

Education and health services ............................. 5.0 – – 0.0 13.9 7.2 5.0 – –

Educational services ........................................ – – – – – – 6.0 – –

Junior colleges, colleges, and universities ... 3.2 0.0 0.0 3.5 7.4 0.0 3.2 – –

Health care and social assistance ................... 5.7 – – 0.0 12.0 12.2 5.7 – –

See footnotes at end of table.
Table 58. Standard errors for savings and thrift plans: Maximum employee contributions, private industry workers, 2015—continued

Characteristics Percent of

earnings

Percent of earnings, up to Internal Revenue Code limit Any amount

up to Internal

Revenue

Code limit

Other Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 2.9 0.0 2.6 0.0 0.0 6.4 2.9 – –

1 to 49 workers .................................................... 3.7 0.0 3.6 8.8 0.9 6.3 3.7 – –

50 to 99 workers .................................................. 6.8 – 12.6 1.8 5.6 13.7 6.8 – –

100 workers or more ................................................ 2.3 2.9 0.0 0.0 0.0 0.0 2.3 – –

100 to 499 workers .............................................. 2.9 7.3 0.0 0.0 2.0 0.9 2.9 – –

500 workers or more ............................................ 3.0 0.9 0.0 0.0 0.0 7.5 3.0 – –

Geographic areas

Northeast ................................................................. 7.0 3.4 7.8 0.0 – 6.6 7.2 – –

New England ....................................................... 7.6 3.5 9.7 2.6 20.5 6.9 7.6 – –

Middle Atlantic ..................................................... 9.1 3.8 13.1 0.0 – 9.6 9.4 – –

South ....................................................................... 2.1 3.4 0.0 0.0 0.0 1.3 2.1 – –

South Atlantic ....................................................... 3.3 6.6 0.0 13.2 0.0 0.0 3.3 – –

East South Central ............................................... 1.8 – 14.1 0.0 8.9 4.7 1.8 – –

West South Central .............................................. 3.4 – 0.0 11.2 4.3 7.5 3.4 – –

Midwest .................................................................... 3.6 – 0.0 4.1 0.0 0.0 3.6 – –

East North Central ............................................... 5.0 – 0.0 7.5 0.0 1.6 5.0 – –

West North Central .............................................. 3.1 6.5 0.0 0.0 6.1 2.6 3.1 – –

West ......................................................................... 4.2 0.0 0.0 0.0 0.0 11.4 4.2 – –

Mountain .............................................................. 5.6 0.0 0.0 0.0 5.1 0.0 5.6 – –

Pacific .................................................................. 5.9 0.0 2.7 0.0 1.6 4.6 5.9 – –

1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories were

formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 59. Savings and thrift plans: Method of employer matching contributions, private industry workers, 2015

(All workers participating in savings and thrift plans = 100 percent)

Characteristics

Specified

matching

percent

Specified matching percent

Other1 Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 62 25 50 70 100 100 38 –

Management, professional, and related .................. 63 50 50 – 100 100 37 –

Management, business, and financial ................. 61 – 50 50 100 100 39 –

Professional and related ...................................... 65 50 50 – 100 100 35 –

Service ..................................................................... 56 25 – 50 100 100 44 –

Sales and office ....................................................... 66 – 50 100 100 100 34 –

Sales and related ................................................. 69 – 50 100 100 100 31 –

Office and administrative support ........................ 65 – 50 100 100 100 35 –

Natural resources, construction, and maintenance 66 25 50 50 100 100 34 –

Installation, maintenance, and repair ................... 68 25 50 50 100 100 32 –

Production, transportation, and material moving ..... 55 25 50 50 100 100 45 –

Production ............................................................ 55 25 50 50 100 100 45 –

Transportation and material moving .................... 54 – 50 – 100 100 46 –

Full time ................................................................... 62 25 50 60 100 100 38 –

Part time .................................................................. 64 50 50 100 100 100 36 –

Union ....................................................................... 59 – 50 50 100 100 41 –

Nonunion ................................................................. 62 – 50 – 100 100 38 –

Average wage within the following categories2:

Lowest 25 percent ............................................... 63 25 50 – 100 100 37 –

Lowest 10 percent ........................................... 61 25 – 50 – 100 39 –

Second 25 percent ............................................... 58 25 50 100 100 100 42 –

Third 25 percent ................................................... 62 25 50 50 100 100 38 –

Highest 25 percent ............................................... 65 50 50 70 100 100 35 –

Highest 10 percent ........................................... 63 50 50 – 100 100 37 –

Establishment characteristics

Goods-producing industries ..................................... 56 – 50 60 100 100 44 –

Manufacturing ...................................................... 54 – 50 50 100 100 46 –

Service-providing industries ..................................... 64 – 50 – 100 100 36 –

Trade, transportation, and utilities ....................... 67 – 50 100 100 100 33 –

Wholesale trade ............................................... 67 25 – 50 100 100 33 –

Retail trade ...................................................... 71 50 50 100 100 100 29 –

Transportation and warehousing ..................... 56 – 50 – – – 44 –

Utilities ............................................................. 76 50 50 85 100 100 24 –

Information ........................................................... 69 50 – 100 100 100 31 –

Financial activities ................................................ 70 50 50 100 100 100 30 –

Finance and insurance .................................... 69 50 – 100 100 100 31 –

Credit intermediation and related activities .. 80 50 100 100 100 100 20 –

Insurance carriers and related activities ...... 55 50 50 100 100 100 45 –

Professional and business services ..................... 59 25 50 50 100 100 41 –

Professional and technical services ................. 57 – 50 50 – 100 43 –

Education and health services ............................. 62 – 50 – 100 100 38 –

Educational services ........................................ 53 50 – 100 100 – 47 –

Junior colleges, colleges, and universities ... 62 100 100 100 100 – 38 –

Health care and social assistance ................... 63 – 50 – 100 100 37 –

See footnotes at end of table.
Table 59. Savings and thrift plans: Method of employer matching contributions, private industry workers, 2015—continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics

Specified

matching

percent

Specified matching percent

Other1 Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 58 25 50 – 100 100 42 –

1 to 49 workers .................................................... 64 – 50 – 100 100 36 –

50 to 99 workers .................................................. 47 25 50 – 100 100 53 –

100 workers or more ................................................ 64 – 50 75 100 100 36 –

100 to 499 workers .............................................. 63 – 50 – 100 100 37 –

500 workers or more ............................................ 66 – 50 – 100 100 34 –

Geographic areas

Northeast ................................................................. 67 25 50 – 100 100 33 –

New England ....................................................... 71 25 – 50 100 100 29 –

Middle Atlantic ..................................................... 65 25 50 – 100 100 35 –

South ....................................................................... 62 – 50 100 100 100 38 –

South Atlantic ....................................................... 61 – 50 – 100 100 39 –

East South Central ............................................... 70 25 – – 100 100 30 –

West South Central .............................................. 59 50 50 – 100 – 41 –

Midwest .................................................................... 68 – 50 100 100 100 32 –

East North Central ............................................... 64 – 50 100 100 100 36 –

West North Central .............................................. 75 – 50 – 100 100 25 –

West ......................................................................... 53 – 50 50 100 100 47 –

Mountain .............................................................. 50 25 50 50 100 100 50 –

Pacific .................................................................. 55 – 50 50 100 100 45 –

1 Other methods of employer matches include maximum dollar amounts specified by the employer, varying contributions by the employer based on employee contributions or service, and other

matching methods. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 59. Standard errors for savings and thrift plans: Method of employer matching contributions, private industry

workers, 2015

Characteristics

Specified

matching

percent

Specified matching percent

Other1 Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 1.7 5.3 0.0 16.6 0.0 0.0 1.7 –

Management, professional, and related .................. 2.9 9.1 0.0 – 0.0 0.0 2.9 –

Management, business, and financial ................. 3.5 – 0.0 12.2 0.0 0.0 3.5 –

Professional and related ...................................... 3.3 8.8 0.0 – 0.0 0.0 3.3 –

Service ..................................................................... 6.9 0.0 – 0.0 16.4 0.0 6.9 –

Sales and office ....................................................... 2.4 – 0.0 0.0 0.0 0.0 2.4 –

Sales and related ................................................. 2.9 – 0.0 0.0 0.0 0.0 2.9 –

Office and administrative support ........................ 2.8 – 0.0 0.0 0.0 0.0 2.8 –

Natural resources, construction, and maintenance 3.8 2.2 0.0 2.6 0.0 0.0 3.8 –

Installation, maintenance, and repair ................... 4.4 3.8 0.0 0.0 14.2 0.0 4.4 –

Production, transportation, and material moving ..... 3.5 0.0 0.0 11.0 0.0 0.0 3.5 –

Production ............................................................ 5.0 0.0 2.6 10.6 0.0 0.0 5.0 –

Transportation and material moving .................... 5.5 – 0.0 – 0.0 0.0 5.5 –

Full time ................................................................... 1.7 2.9 0.0 17.3 0.0 0.0 1.7 –

Part time .................................................................. 3.8 1.8 0.0 0.0 0.0 0.0 3.8 –

Union ....................................................................... 5.4 – 0.0 0.0 15.3 0.0 5.4 –

Nonunion ................................................................. 1.8 – 0.0 – 0.0 0.0 1.8 –

Average wage within the following categories2:

Lowest 25 percent ............................................... 4.4 0.9 0.0 – 0.0 0.0 4.4 –

Lowest 10 percent ........................................... 9.2 0.0 – 0.0 – 0.0 9.2 –

Second 25 percent ............................................... 2.7 2.6 0.0 7.3 0.0 0.0 2.7 –

Third 25 percent ................................................... 2.5 2.9 0.0 4.3 0.0 0.0 2.5 –

Highest 25 percent ............................................... 2.9 10.3 0.0 20.3 0.0 0.0 2.9 –

Highest 10 percent ........................................... 4.3 14.1 0.0 – 0.0 0.0 4.3 –

Establishment characteristics

Goods-producing industries ..................................... 3.7 – 0.0 12.3 0.0 0.0 3.7 –

Manufacturing ...................................................... 4.6 – 0.0 13.1 10.2 0.0 4.6 –

Service-providing industries ..................................... 1.9 – 0.0 – 0.0 0.0 1.9 –

Trade, transportation, and utilities ....................... 2.5 – 0.0 0.0 0.0 0.0 2.5 –

Wholesale trade ............................................... 4.7 0.0 – 0.0 0.0 0.0 4.7 –

Retail trade ...................................................... 3.1 0.0 0.0 0.0 0.0 0.0 3.1 –

Transportation and warehousing ..................... 10.8 – 4.6 – – – 10.8 –

Utilities ............................................................. 6.8 0.0 0.0 9.8 0.0 0.0 6.8 –

Information ........................................................... 7.0 0.0 – 10.4 0.0 0.0 7.0 –

Financial activities ................................................ 3.0 0.0 0.0 0.0 0.0 0.0 3.0 –

Finance and insurance .................................... 3.6 0.0 – 0.0 0.0 0.0 3.6 –

Credit intermediation and related activities .. 4.3 0.0 29.7 0.0 0.0 0.0 4.3 –

Insurance carriers and related activities ...... 5.0 6.5 0.0 0.0 0.0 0.0 5.0 –

Professional and business services ..................... 5.0 6.5 0.0 0.0 10.2 0.0 5.0 –

Professional and technical services ................. 5.2 – 7.9 0.0 – 0.0 5.2 –

Education and health services ............................. 4.4 – 0.0 – 0.0 0.0 4.4 –

Educational services ........................................ 11.4 0.0 – 0.0 0.0 – 11.4 –

Junior colleges, colleges, and universities ... 7.8 0.0 0.0 0.0 0.0 – 7.8 –

Health care and social assistance ................... 4.8 – 0.0 – 0.0 0.0 4.8 –

See footnotes at end of table.
Table 59. Standard errors for savings and thrift plans: Method of employer matching contributions, private industry

workers, 2015—continued

Characteristics

Specified

matching

percent

Specified matching percent

Other1 Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 2.8 1.3 0.0 – 0.0 0.0 2.8 –

1 to 49 workers .................................................... 3.4 – 0.0 – 0.0 0.0 3.4 –

50 to 99 workers .................................................. 5.4 0.0 6.5 – 0.0 0.0 5.4 –

100 workers or more ................................................ 2.1 – 0.0 19.2 0.0 0.0 2.1 –

100 to 499 workers .............................................. 2.7 – 0.0 – 0.0 0.0 2.7 –

500 workers or more ............................................ 3.2 – 0.0 – 0.0 0.0 3.2 –

Geographic areas

Northeast ................................................................. 3.5 0.0 0.0 – 0.0 0.0 3.5 –

New England ....................................................... 4.5 0.0 – 0.0 25.6 0.0 4.5 –

Middle Atlantic ..................................................... 4.3 0.0 0.0 – 0.0 0.0 4.3 –

South ....................................................................... 2.6 – 0.0 24.8 0.0 0.0 2.6 –

South Atlantic ....................................................... 3.5 – 0.0 – 0.0 0.0 3.5 –

East South Central ............................................... 7.7 0.0 – – 0.0 0.0 7.7 –

West South Central .............................................. 4.6 0.0 0.0 – 0.0 – 4.6 –

Midwest .................................................................... 3.3 – 0.0 9.6 0.0 0.0 3.3 –

East North Central ............................................... 4.1 – 0.0 0.0 0.0 0.0 4.1 –

West North Central .............................................. 3.0 – 0.0 – 0.0 0.0 3.0 –

West ......................................................................... 4.6 – 0.0 0.0 0.0 0.0 4.6 –

Mountain .............................................................. 9.2 0.0 0.0 9.8 0.0 0.0 9.2 –

Pacific .................................................................. 4.7 – 0.0 0.0 0.0 0.0 4.7 –

1 Other methods of employer matches include maximum dollar amounts specified by the employer, varying contributions by the employer based on employee contributions or service, and other

matching methods. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 60. Savings and thrift plans: Maximum employee contribution matched by employer, private industry workers, 2015

(All workers participating in savings and thrift plans = 100 percent)

Characteristics

Specified

matching

percent

Maximum employee contribution matched by employer

Other1 Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 62 3.0 4.0 6.0 6.0 6.0 38 –

Management, professional, and related .................. 63 3.0 4.0 6.0 6.0 6.0 37 –

Management, business, and financial ................. 61 – 4.0 6.0 6.0 7.0 39 –

Professional and related ...................................... 65 3.0 4.0 5.0 6.0 6.0 35 –

Service ..................................................................... 56 3.0 4.0 – 6.0 6.0 44 –

Sales and office ....................................................... 66 4.0 4.0 6.0 6.0 6.0 34 –

Sales and related ................................................. 69 4.0 4.0 6.0 6.0 6.0 31 –

Office and administrative support ........................ 65 – 4.0 6.0 6.0 6.0 35 –

Natural resources, construction, and maintenance 66 3.0 4.0 6.0 6.0 8.0 34 –

Installation, maintenance, and repair ................... 68 3.0 4.0 6.0 6.0 – 32 –

Production, transportation, and material moving ..... 55 3.0 4.0 5.0 6.0 6.0 45 –

Production ............................................................ 55 – 4.0 5.0 6.0 6.0 45 –

Transportation and material moving .................... 54 3.0 4.0 5.0 6.0 6.0 46 –

Full time ................................................................... 62 3.0 4.0 6.0 6.0 6.0 38 –

Part time .................................................................. 64 3.0 4.0 5.0 6.0 6.0 36 –

Union ....................................................................... 59 – – 6.0 6.0 – 41 –

Nonunion ................................................................. 62 3.0 4.0 6.0 6.0 6.0 38 –

Average wage within the following categories2:

Lowest 25 percent ............................................... 63 – 4.0 5.0 6.0 6.0 37 –

Lowest 10 percent ........................................... 61 4.0 4.0 – 6.0 6.0 39 –

Second 25 percent ............................................... 58 3.0 4.0 5.0 6.0 6.0 42 –

Third 25 percent ................................................... 62 3.0 4.0 6.0 6.0 6.0 38 –

Highest 25 percent ............................................... 65 3.0 4.0 6.0 6.0 7.0 35 –

Highest 10 percent ........................................... 63 4.0 4.0 6.0 6.0 7.0 37 –

Establishment characteristics

Goods-producing industries ..................................... 56 – 4.0 6.0 6.0 – 44 –

Manufacturing ...................................................... 54 – 4.0 6.0 6.0 6.0 46 –

Service-providing industries ..................................... 64 3.0 4.0 6.0 6.0 6.0 36 –

Trade, transportation, and utilities ....................... 67 – 4.0 6.0 6.0 6.0 33 –

Wholesale trade ............................................... 67 4.0 4.0 6.0 6.0 6.0 33 –

Retail trade ...................................................... 71 4.0 4.0 6.0 6.0 6.0 29 –

Transportation and warehousing ..................... 56 3.0 3.0 5.0 6.0 – 44 –

Utilities ............................................................. 76 – 5.0 6.0 6.0 6.0 24 –

Information ........................................................... 69 4.0 – 6.0 6.0 – 31 –

Financial activities ................................................ 70 4.0 5.0 6.0 6.0 6.0 30 –

Finance and insurance .................................... 69 4.0 5.0 6.0 6.0 6.0 31 –

Credit intermediation and related activities .. 80 4.0 5.0 5.0 6.0 6.0 20 –

Insurance carriers and related activities ...... 55 4.0 5.0 6.0 6.0 6.0 45 –

Professional and business services ..................... 59 4.0 – 6.0 6.0 – 41 –

Professional and technical services ................. 57 – 4.0 6.0 6.0 – 43 –

Education and health services ............................. 62 2.0 3.0 4.0 5.0 6.0 38 –

Educational services ........................................ 53 2.0 – 5.0 5.0 5.0 47 –

Junior colleges, colleges, and universities ... 62 – – 5.0 5.0 5.0 38 –

Health care and social assistance ................... 63 2.0 3.0 4.0 5.0 6.0 37 –

See footnotes at end of table.
Table 60. Savings and thrift plans: Maximum employee contribution matched by employer, private industry workers,

2015—continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics

Specified

matching

percent

Maximum employee contribution matched by employer

Other1 Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 58 3.0 4.0 5.0 6.0 6.0 42 –

1 to 49 workers .................................................... 64 3.0 4.0 5.0 6.0 6.0 36 –

50 to 99 workers .................................................. 47 3.0 4.0 6.0 6.0 6.0 53 –

100 workers or more ................................................ 64 3.0 4.0 6.0 6.0 6.0 36 –

100 to 499 workers .............................................. 63 3.0 4.0 6.0 6.0 6.0 37 –

500 workers or more ............................................ 66 3.0 4.0 6.0 6.0 6.0 34 –

Geographic areas

Northeast ................................................................. 67 4.0 4.0 6.0 6.0 6.0 33 –

New England ....................................................... 71 – 4.0 6.0 6.0 7.0 29 –

Middle Atlantic ..................................................... 65 4.0 4.0 6.0 6.0 6.0 35 –

South ....................................................................... 62 4.0 4.0 6.0 6.0 6.0 38 –

South Atlantic ....................................................... 61 4.0 4.0 6.0 6.0 6.0 39 –

East South Central ............................................... 70 4.0 4.0 6.0 6.0 6.0 30 –

West South Central .............................................. 59 3.0 4.0 5.0 6.0 – 41 –

Midwest .................................................................... 68 3.0 – 5.0 6.0 6.0 32 –

East North Central ............................................... 64 – – 5.0 6.0 6.0 36 –

West North Central .............................................. 75 3.0 – 5.0 6.0 6.0 25 –

West ......................................................................... 53 – 4.0 6.0 6.0 6.0 47 –

Mountain .............................................................. 50 4.0 5.0 6.0 6.0 6.0 50 –

Pacific .................................................................. 55 – 4.0 6.0 6.0 7.0 45 –

1 Other methods of employer matches include maximum dollar amounts specified by the employer, varying contributions by the employer based on employee contributions or service, and other

matching methods. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 60. Standard errors for savings and thrift plans: Maximum employee contribution matched by employer, private

industry workers, 2015

Characteristics

Specified

matching

percent

Maximum employee contribution matched by employer

Other1 Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 1.7 0.0 0.0 0.6 0.0 0.0 1.7 –

Management, professional, and related .................. 2.9 0.0 0.0 1.1 0.0 0.9 2.9 –

Management, business, and financial ................. 3.5 – 2 ( ) 0.0 0.0 1.1 3.5 –

Professional and related ...................................... 3.3 0.0 0.0 0.2 0.0 0.0 3.3 –

Service ..................................................................... 6.9 0.0 0.0 – 0.0 0.0 6.9 –

Sales and office ....................................................... 2.4 0.9 0.0 0.0 0.0 0.0 2.4 –

Sales and related ................................................. 2.9 0.0 0.1 0.0 0.0 0.0 2.9 –

Office and administrative support ........................ 2.8 – 0.0 0.6 0.0 0.0 2.8 –

Natural resources, construction, and maintenance 3.8 0.0 0.3 0.3 0.0 2.2 3.8 –

Installation, maintenance, and repair ................... 4.4 0.4 0.4 0.0 0.0 – 4.4 –

Production, transportation, and material moving ..... 3.5 0.7 0.0 0.7 0.0 0.0 3.5 –

Production ............................................................ 5.0 – 0.5 1.2 0.0 0.0 5.0 –

Transportation and material moving .................... 5.5 0.5 0.0 0.3 0.0 0.0 5.5 –

Full time ................................................................... 1.7 0.0 0.0 0.2 0.0 0.0 1.7 –

Part time .................................................................. 3.8 0.4 0.0 0.3 0.0 0.0 3.8 –

Union ....................................................................... 5.4 – – 1.4 0.0 – 5.4 –

Nonunion ................................................................. 1.8 0.1 0.0 0.6 0.0 0.0 1.8 –

Average wage within the following categories3:

Lowest 25 percent ............................................... 4.4 – 0.0 0.8 0.0 0.0 4.4 –

Lowest 10 percent ........................................... 9.2 0.7 0.0 – 0.0 0.0 9.2 –

Second 25 percent ............................................... 2.7 0.4 0.0 0.5 0.0 0.0 2.7 –

Third 25 percent ................................................... 2.5 0.0 0.0 0.0 0.0 0.0 2.5 –

Highest 25 percent ............................................... 2.9 0.0 0.0 0.0 0.0 1.3 2.9 –

Highest 10 percent ........................................... 4.3 0.9 0.5 0.0 0.0 1.0 4.3 –

Establishment characteristics

Goods-producing industries ..................................... 3.7 – 0.0 0.4 0.0 – 3.7 –

Manufacturing ...................................................... 4.6 – 0.5 0.0 0.0 0.8 4.6 –

Service-providing industries ..................................... 1.9 0.0 0.0 0.9 0.0 0.0 1.9 –

Trade, transportation, and utilities ....................... 2.5 – 0.0 0.7 0.0 0.0 2.5 –

Wholesale trade ............................................... 4.7 0.3 0.0 0.2 0.0 0.3 4.7 –

Retail trade ...................................................... 3.1 0.0 0.0 0.8 0.0 0.0 3.1 –

Transportation and warehousing ..................... 10.8 0.0 0.8 1.3 0.0 – 10.8 –

Utilities ............................................................. 6.8 – 0.7 0.0 0.0 0.0 6.8 –

Information ........................................................... 7.0 1.0 – 0.0 0.0 – 7.0 –

Financial activities ................................................ 3.0 0.0 0.5 0.6 0.0 0.0 3.0 –

Finance and insurance .................................... 3.6 0.0 0.3 0.9 0.0 0.0 3.6 –

Credit intermediation and related activities .. 4.3 0.0 1.1 0.6 0.0 0.0 4.3 –

Insurance carriers and related activities ...... 5.0 0.1 0.0 0.0 0.0 1.4 5.0 –

Professional and business services ..................... 5.0 0.0 – 0.0 0.0 – 5.0 –

Professional and technical services ................. 5.2 – 1.1 0.0 0.0 – 5.2 –

Education and health services ............................. 4.4 0.0 0.4 0.0 0.4 0.0 4.4 –

Educational services ........................................ 11.4 0.0 – 0.4 0.0 1.3 11.4 –

Junior colleges, colleges, and universities ... 7.8 – – 0.0 0.0 0.0 7.8 –

Health care and social assistance ................... 4.8 0.4 0.4 0.0 0.9 0.0 4.8 –

See footnotes at end of table.
Table 60. Standard errors for savings and thrift plans: Maximum employee contribution matched by employer, private

industry workers, 2015—continued

Characteristics

Specified

matching

percent

Maximum employee contribution matched by employer

Other1 Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 2.8 0.0 0.0 2 ( ) 0.0 0.0 2.8 –

1 to 49 workers .................................................... 3.4 0.0 0.0 1.3 0.0 0.0 3.4 –

50 to 99 workers .................................................. 5.4 0.5 0.0 0.0 0.0 0.9 5.4 –

100 workers or more ................................................ 2.1 0.5 0.0 0.0 0.0 0.0 2.1 –

100 to 499 workers .............................................. 2.7 0.8 0.2 0.0 0.0 0.0 2.7 –

500 workers or more ............................................ 3.2 0.9 0.0 0.2 0.0 1.2 3.2 –

Geographic areas

Northeast ................................................................. 3.5 0.8 0.0 0.9 0.0 0.5 3.5 –

New England ....................................................... 4.5 – 0.1 1.1 0.0 1.5 4.5 –

Middle Atlantic ..................................................... 4.3 0.0 2 ( ) 1.2 0.0 0.0 4.3 –

South ....................................................................... 2.6 0.4 0.0 0.0 0.0 0.0 2.6 –

South Atlantic ....................................................... 3.5 0.0 0.0 0.0 0.0 0.0 3.5 –

East South Central ............................................... 7.7 0.0 1.0 0.0 0.0 0.0 7.7 –

West South Central .............................................. 4.6 0.4 0.0 0.4 0.0 – 4.6 –

Midwest .................................................................... 3.3 0.8 – 0.2 0.0 0.0 3.3 –

East North Central ............................................... 4.1 – – 0.7 0.0 0.0 4.1 –

West North Central .............................................. 3.0 0.0 – 0.6 0.0 0.0 3.0 –

West ......................................................................... 4.6 – 0.5 0.0 0.0 1.2 4.6 –

Mountain .............................................................. 9.2 0.0 0.6 0.0 0.0 0.0 9.2 –

Pacific .................................................................. 4.7 – 0.0 0.9 0.0 1.2 4.7 –

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 0.05. 3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The

categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 61. Savings and thrift plans: Automatic enrollment,1

 private industry workers, 2015

(All workers participating in savings and thrift plans = 100 percent)

Characteristics

Automatic

enrollment

available

With automatic enrollment

No automatic

enrollment

available

Not

determinable

Default

contribution

as percent

of earnings

Default contribution as percent of earnings

Other

default

contribution2

Default

contribution

not

determinable

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 38 36 2.0 3.0 3.0 4.0 6.0 – 2 54 8

Management, professional, and related .................. 43 39 2.0 3.0 3.0 – 6.0 – 4 47 10

Management, business, and financial ................. 43 40 3.0 3.0 3.0 4.0 6.0 – 4 47 10

Professional and related ...................................... 43 38 2.0 3.0 3.0 3.0 5.0 – 5 47 10

Service ..................................................................... 25 25 – 3.0 3.0 4.0 4.0 – – 69 6

Protective service ................................................ – – – – – – – – 3 73 –

Sales and office ....................................................... 33 32 – – 3.0 3.0 5.0 – 1 60 7

Sales and related ................................................. 25 25 1.0 1.0 – 3.0 4.0 – 3 ( ) 67 8

Office and administrative support ........................ 37 35 2.0 3.0 3.0 3.0 6.0 – 2 56 6

Natural resources, construction, and maintenance 36 36 – – 3.0 3.0 4.0 – 3 ( ) 54 10

Installation, maintenance, and repair ................... 41 41 – – 3.0 3.0 – – 3 ( ) 48 11

Production, transportation, and material moving ..... 45 43 2.0 3.0 3.0 4.0 6.0 – 1 48 7

Production ............................................................ 45 43 – 3.0 3.0 4.0 6.0 – 2 46 9

Transportation and material moving .................... 44 44 – 3.0 3.0 – 6.0 – – 51 5

Full time ................................................................... 39 37 2.0 3.0 3.0 4.0 6.0 – 3 52 8

Part time .................................................................. 28 28 1.0 – 3.0 3.0 4.0 – 3 ( ) 65 7

Union ....................................................................... 28 27 – 3.0 3.0 4.0 5.0 – 2 62 10

Nonunion ................................................................. 39 37 2.0 3.0 3.0 4.0 6.0 – 2 53 8

Average wage within the following categories4:

Lowest 25 percent ............................................... 23 23 1.0 2.0 3.0 4.0 4.0 – – 72 5

Lowest 10 percent ........................................... – – – – – – – – – 68 –

Second 25 percent ............................................... 36 34 2.0 3.0 3.0 3.0 6.0 – 1 57 8

Third 25 percent ................................................... 43 41 2.0 3.0 3.0 – 6.0 – 2 48 9

Highest 25 percent ............................................... 43 39 2.0 3.0 3.0 4.0 6.0 – 4 48 9

Highest 10 percent ........................................... 45 39 3.0 3.0 3.0 4.0 6.0 – 5 47 8

Establishment characteristics

Goods-producing industries ..................................... 50 47 – 3.0 3.0 4.0 6.0 – 3 41 9

Manufacturing ...................................................... 54 51 – 3.0 3.0 4.0 6.0 – 3 36 10

Service-providing industries ..................................... 35 33 2.0 3.0 3.0 3.0 5.0 – 2 57 8

Trade, transportation, and utilities ....................... 32 31 1.0 2.0 3.0 – 6.0 – 3 ( ) 62 6

Wholesale trade ............................................... 40 40 2.0 – 3.0 5.0 6.0 – – 53 7

Retail trade ...................................................... 24 24 1.0 1.0 – 3.0 4.0 – – 70 6

Transportation and warehousing ..................... 38 37 – 3.0 3.0 – 6.0 – 3 ( ) 56 6

Utilities ............................................................. 40 34 – 3.0 3.0 3.0 3.0 – 6 52 8

Information ........................................................... 46 42 2.0 2.0 3.0 3.0 3.0 – 5 49 5

Financial activities ................................................ 47 44 3.0 3.0 3.0 3.0 6.0 – 2 45 8

Finance and insurance .................................... 50 48 3.0 3.0 3.0 3.0 6.0 – 3 43 7

Credit intermediation and related activities .. 40 40 – 3.0 3.0 3.0 – – 3 ( ) 54 6

Insurance carriers and related activities ...... 63 59 3.0 3.0 3.0 – 6.0 – 4 28 9

Professional and business services ..................... 38 31 3.0 3.0 3.0 – 6.0 – 7 59 4

Professional and technical services ................. 24 24 3.0 3.0 3.0 3.0 – – – 71 6

Education and health services ............................. 31 30 – – 3.0 4.0 4.0 – – 55 14

Educational services ........................................ – –––––– – – – 2

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

Health care and social assistance ................... 33 32 2.0 – 3.0 4.0 4.0 – – 51 16

See footnotes at end of table.
Table 61. Savings and thrift plans: Automatic enrollment,1

 private industry workers, 2015—continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics

Automatic

enrollment

available

With automatic enrollment

No automatic

enrollment

available

Not

determinable

Default

contribution

as percent

of earnings

Default contribution as percent of earnings

Other

default

contribution2

Default

contribution

not

determinable

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 33 32 2.0 3.0 3.0 3.0 6.0 – 1 55 11

1 to 49 workers .................................................... 32 32 – 3.0 3.0 3.0 5.0 – 1 58 10

50 to 99 workers .................................................. 36 33 2.0 3.0 3.0 – 6.0 – 2 51 14

100 workers or more ................................................ 41 38 2.0 3.0 3.0 4.0 6.0 – 3 53 6

100 to 499 workers .............................................. 35 34 2.0 3.0 3.0 4.0 6.0 – 1 59 6

500 workers or more ............................................ 49 44 2.0 3.0 3.0 – – – 5 44 6

Geographic areas

Northeast ................................................................. 37 35 – 3.0 3.0 4.0 6.0 – 2 50 13

Middle Atlantic ..................................................... 42 39 – 3.0 3.0 4.0 – – 3 51 7

South ....................................................................... 35 32 2.0 3.0 3.0 – 5.0 – 3 62 3

South Atlantic ....................................................... 38 33 2.0 3.0 3.0 3.0 – – 5 59 3

East South Central ............................................... 29 29 2.0 3.0 3.0 – – – – 68 2

West South Central .............................................. 33 32 3.0 3.0 3.0 4.0 5.0 – 3 ( ) 64 3

Midwest .................................................................... 41 38 – – 3.0 4.0 6.0 – 2 51 8

East North Central ............................................... 45 42 – 2.0 3.0 4.0 6.0 – 3 47 8

West North Central .............................................. 32 30 2.0 3.0 3.0 4.0 6.0 – 2 59 10

West ......................................................................... 42 40 2.0 3.0 3.0 3.0 6.0 – 2 45 13

Mountain .............................................................. 42 41 – 3.0 3.0 3.0 6.0 – – 42 16

Pacific .................................................................. 42 39 2.0 3.0 3.0 3.0 5.0 – 2 47 12

1 The employer automatically enrolls employees in the plan at a specified rate of contribution (e.g., 3 percent of earnings), unless the employee opts out of the plan. 2 Other default contributions are based on maximum dollar amounts specified by the employer, amounts based on employee length of service, or other methods. 3 Less than 0.5. 4 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories were formed using

percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 61. Standard errors for savings and thrift plans: Automatic enrollment,1

 private industry workers, 2015

Characteristics

Automatic

enrollment

available

With automatic enrollment

No automatic

enrollment

available

Not

determinable

Default

contribution

as percent

of earnings

Default contribution as percent of earnings

Other

default

contribution2

Default

contribution

not

determinable

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 1.7 1.7 0.0 0.0 0.0 1.0 0.2 – 0.5 1.7 1.1

Management, professional, and related .................. 2.9 2.9 0.0 0.0 0.0 – 0.3 – 1.1 3.2 2.1

Management, business, and financial ................. 3.5 3.7 0.0 0.0 0.0 0.8 0.0 – 1.2 3.9 2.0

Professional and related ...................................... 3.4 3.3 0.0 0.2 0.0 0.4 1.4 – 1.4 3.6 3.1

Service ..................................................................... 5.7 5.7 – 0.0 0.0 0.7 0.0 – – 5.6 2.3

Protective service ................................................ – – – – – – – – 2.5 9.2 –

Sales and office ....................................................... 2.1 2.4 – – 0.0 0.0 1.1 – 0.5 2.3 1.2

Sales and related ................................................. 3.2 3.2 0.0 0.3 – 0.0 0.0 – 0.1 3.9 2.8

Office and administrative support ........................ 2.8 3.2 0.0 0.0 0.0 0.3 1.2 – 0.8 2.8 1.3

Natural resources, construction, and maintenance 3.7 3.6 – – 0.0 0.0 0.5 – 0.2 3.8 2.7

Installation, maintenance, and repair ................... 4.5 4.4 – – 0.0 0.0 – – 0.2 4.2 3.2

Production, transportation, and material moving ..... 4.5 3.9 0.0 0.0 0.0 0.9 0.0 – 0.9 4.0 1.6

Production ............................................................ 7.0 5.9 – 0.0 0.0 0.9 0.0 – 1.5 5.8 2.7

Transportation and material moving .................... 5.2 5.2 – 0.3 0.0 – 0.0 – – 5.1 1.2

Full time ................................................................... 1.7 1.7 0.0 0.0 0.0 0.7 0.0 – 0.6 1.8 1.2

Part time .................................................................. 3.3 3.4 0.0 – 0.0 0.3 0.0 – 0.3 3.3 2.2

Union ....................................................................... 5.5 5.4 – 0.2 0.0 0.5 0.9 – 0.8 5.8 2.8

Nonunion ................................................................. 1.8 1.8 0.0 0.0 0.0 1.2 0.2 – 0.6 1.9 1.2

Average wage within the following categories3:

Lowest 25 percent ............................................... 3.4 3.4 0.2 0.4 0.0 0.5 0.0 – – 3.5 1.4

Lowest 10 percent ........................................... – – – – – – – – – 9.1 –

Second 25 percent ............................................... 3.3 3.1 0.2 0.0 0.0 0.6 1.2 – 0.4 3.3 1.2

Third 25 percent ................................................... 2.2 2.3 0.0 0.0 0.0 – 0.2 – 0.6 2.3 1.7

Highest 25 percent ............................................... 3.0 2.9 0.3 0.0 0.0 0.7 0.2 – 1.4 3.3 1.9

Highest 10 percent ........................................... 4.0 3.9 0.3 0.0 0.0 0.8 0.0 – 1.7 4.4 1.7

Establishment characteristics

Goods-producing industries ..................................... 4.7 4.6 – 0.0 0.0 0.5 0.0 – 1.3 4.5 1.6

Manufacturing ...................................................... 5.3 5.0 – 0.0 0.0 0.9 0.0 – 1.6 4.8 1.9

Service-providing industries ..................................... 1.6 1.7 0.0 0.0 0.0 0.0 1.3 – 0.6 1.8 1.3

Trade, transportation, and utilities ....................... 2.1 2.0 0.0 0.0 0.0 – 1.0 – 0.2 2.4 1.7

Wholesale trade ............................................... 3.9 3.9 0.0 – 0.0 0.5 0.0 – – 4.3 2.4

Retail trade ...................................................... 3.0 3.0 0.0 0.0 – 0.0 0.4 – – 3.0 2.8

Transportation and warehousing ..................... 7.5 7.5 – 0.3 0.0 – 0.0 – 0.2 7.5 3.5

Utilities ............................................................. 9.3 7.1 – 0.0 0.0 0.0 0.8 – 3.7 9.2 4.8

Information ........................................................... 7.5 7.4 0.0 0.0 0.0 0.0 0.0 – 2.6 7.4 3.3

Financial activities ................................................ 3.2 3.6 0.0 0.0 0.0 0.0 0.9 – 0.8 3.0 1.6

Finance and insurance .................................... 3.3 3.6 0.0 0.0 0.0 0.2 0.7 – 0.9 3.3 1.6

Credit intermediation and related activities .. 5.1 5.0 – 0.0 0.0 0.0 – – 0.4 5.5 2.2

Insurance carriers and related activities ...... 4.0 4.1 0.0 0.0 0.0 – 0.5 – 0.7 3.3 2.8

Professional and business services ..................... 5.4 5.1 0.0 0.0 0.0 – 1.2 – 3.2 6.1 2.0

Professional and technical services ................. 5.0 5.0 0.0 0.0 0.0 0.0 – – – 6.2 3.3

Education and health services ............................. 4.6 4.7 – – 0.0 0.7 0.7 – – 4.7 5.4

Educational services ........................................ – – – – – – – – – – 2.1

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

Health care and social assistance ................... 5.2 5.2 0.0 – 0.0 0.5 1.1 – – 5.1 6.1

See footnotes at end of table.
Table 61. Standard errors for savings and thrift plans: Automatic enrollment,1

 private industry workers, 2015—continued

Characteristics

Automatic

enrollment

available

With automatic enrollment

No automatic

enrollment

available

Not

determinable

Default

contribution

as percent

of earnings

Default contribution as percent of earnings

Other

default

contribution2

Default

contribution

not

determinable

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 2.9 2.9 0.2 0.0 0.0 0.0 1.4 – 0.6 3.3 2.6

1 to 49 workers .................................................... 3.3 3.3 – 0.4 0.0 0.0 1.3 – 0.3 3.6 2.0

50 to 99 workers .................................................. 5.7 5.6 0.3 0.0 0.0 – 1.7 – 1.2 5.7 6.9

100 workers or more ................................................ 2.4 2.6 0.0 0.0 0.0 0.2 0.2 – 0.8 2.4 0.7

100 to 499 workers .............................................. 2.7 2.8 0.0 0.0 0.0 0.3 0.0 – 0.7 2.7 1.2

500 workers or more ............................................ 3.7 4.2 0.0 0.0 0.0 – – – 2.1 3.6 1.3

Geographic areas

Northeast ................................................................. 5.0 5.5 – 0.0 0.0 0.5 0.0 – 0.9 5.6 2.3

Middle Atlantic ..................................................... 6.6 7.3 – 0.0 0.0 1.1 – – 1.3 7.8 2.3

South ....................................................................... 2.1 2.0 0.0 0.0 0.0 – 1.2 – 1.1 2.0 0.6

South Atlantic ....................................................... 3.2 3.2 0.0 0.0 0.0 0.0 – – 1.9 2.8 0.8

East South Central ............................................... 4.5 4.5 0.0 0.0 0.0 – – – – 4.4 1.2

West South Central .............................................. 3.0 3.0 0.2 0.0 0.0 0.2 1.3 – 0.1 3.6 1.4

Midwest .................................................................... 3.8 3.4 – – 0.0 0.4 0.0 – 0.8 3.7 1.8

East North Central ............................................... 4.7 4.3 – 0.4 0.0 0.9 0.0 – 1.0 4.4 2.4

West North Central .............................................. 4.5 4.1 0.0 0.0 0.0 0.5 1.1 – 0.9 5.5 2.3

West ......................................................................... 3.4 3.7 0.0 0.0 0.0 0.0 1.5 – 1.0 3.3 3.8

Mountain .............................................................. 5.2 5.3 – 0.0 0.0 0.5 1.0 – – 4.5 8.7

Pacific .................................................................. 4.4 5.2 0.3 0.0 0.0 0.0 1.5 – 1.6 4.6 2.4

1 The employer automatically enrolls employees in the plan at a specified rate of contribution (e.g., 3 percent of earnings), unless the employee opts out of the plan. 2 Other default contributions are based on maximum dollar amounts specified by the employer, amounts based on employee length of service, or other methods. 3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories were formed using

percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 62. Savings and thrift plans: Maximum potential employer contribution,1

 private

industry workers, 2015

(Includes all workers participating in savings and thrift plans that specify matching contributions)

Characteristics

Maximum potential employer contribution

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 1.5 2.0 3.0 5.0 6.0

Management, professional, and related .................. 1.5 3.0 3.0 5.0 6.0

Management, business, and financial ................. 1.5 3.0 3.0 5.0 6.0

Professional and related ...................................... 1.5 – 3.0 5.0 6.0

Service ..................................................................... 1.5 1.5 2.0 4.0 6.0

Sales and office ....................................................... 2.0 3.0 4.0 6.0 6.0

Sales and related ................................................. 2.0 3.0 4.0 6.0 6.0

Office and administrative support ........................ – 3.0 4.0 5.0 6.0

Natural resources, construction, and maintenance 1.5 2.0 3.0 4.9 6.0

Installation, maintenance, and repair ................... – 2.0 3.0 5.0 6.0

Production, transportation, and material moving ..... 1.5 2.0 3.0 4.0 6.0

Production ............................................................ 1.5 2.0 3.0 4.0 6.0

Transportation and material moving .................... 1.5 2.0 3.0 5.0 6.0

Full time ................................................................... 1.5 2.0 3.0 5.0 6.0

Part time .................................................................. 1.5 – 4.0 5.0 6.0

Union ....................................................................... – – 2.5 4.0 5.1

Nonunion ................................................................. 1.5 2.4 3.0 5.0 6.0

Average wage within the following categories2:

Lowest 25 percent ............................................... 1.5 2.0 3.8 5.0 6.0

Lowest 10 percent ........................................... 1.5 1.5 2.0 – 5.0

Second 25 percent ............................................... 1.5 2.0 3.0 5.0 6.0

Third 25 percent ................................................... 1.5 2.0 3.0 5.0 6.0

Highest 25 percent ............................................... 1.5 3.0 3.5 5.0 6.0

Highest 10 percent ........................................... – 3.0 3.5 5.0 6.0

Establishment characteristics

Goods-producing industries ..................................... 1.5 2.4 3.0 4.0 6.0

Manufacturing ...................................................... 1.5 2.4 3.0 4.0 6.0

Service-providing industries ..................................... 1.5 2.0 3.0 5.0 6.0

Trade, transportation, and utilities ....................... 1.5 3.0 4.0 6.0 6.0

Wholesale trade ............................................... 1.5 2.0 3.0 4.0 5.0

Retail trade ...................................................... 2.0 3.0 4.0 6.0 6.0

Transportation and warehousing ..................... – – – 6.0 6.0

Utilities ............................................................. 3.0 3.0 5.0 5.1 6.0

Information ........................................................... 3.0 – 4.5 6.0 6.0

Financial activities ................................................ 3.0 3.0 4.2 6.0 6.0

Finance and insurance .................................... 3.0 3.0 5.0 6.0 6.0

Credit intermediation and related activities .. 3.0 4.0 5.0 6.0 6.0

Insurance carriers and related activities ...... 3.0 3.0 4.1 5.0 6.0

Professional and business services ..................... 1.5 3.0 3.0 – 6.0

Professional and technical services ................. – – 3.0 – –

Education and health services ............................. – 2.0 – 4.0 5.0

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

Junior colleges, colleges, and universities ... – – 5.0 5.0 –

Health care and social assistance ................... – 2.0 – 4.0 5.0

See footnotes at end of table.
Table 62. Savings and thrift plans: Maximum potential employer contribution,1

 private

industry workers, 2015—continued

(Includes all workers participating in savings and thrift plans that specify matching contributions)

Characteristics

Maximum potential employer contribution

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 1.5 2.4 3.0 4.0 5.0

1 to 49 workers .................................................... 1.5 2.4 3.0 4.0 5.0

50 to 99 workers .................................................. – – 3.0 4.0 6.0

100 workers or more ................................................ 1.5 2.0 3.6 6.0 6.0

100 to 499 workers .............................................. 1.5 2.0 3.5 6.0 6.0

500 workers or more ............................................ 1.5 – 4.0 6.0 6.0

Geographic areas

Northeast ................................................................. – 2.4 3.0 4.2 6.0

New England ....................................................... 1.5 2.0 3.0 4.0 5.0

Middle Atlantic ..................................................... 1.0 3.0 3.0 4.9 6.0

South ....................................................................... 1.5 3.0 4.0 6.0 6.0

South Atlantic ....................................................... – – 4.0 6.0 6.0

East South Central ............................................... 1.5 – 4.0 6.0 6.0

West South Central .............................................. 2.0 3.0 4.0 6.0 6.0

Midwest .................................................................... 1.5 2.0 3.0 5.0 6.0

East North Central ............................................... 1.5 2.0 3.0 5.0 6.0

West North Central .............................................. 1.5 – 3.0 4.5 6.0

West ......................................................................... 1.5 2.4 3.0 5.0 6.0

Mountain .............................................................. 1.5 – 3.0 5.0 6.0

Pacific .................................................................. – 2.4 3.0 4.5 6.0

1 The maximum potential employer contribution is determined by multiplying the maximum employee contribution subject to matching by the

employer matching percent, for those plans that specify both values. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with

earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 62. Standard errors for savings and thrift plans: Maximum potential employer

contribution,1

 private industry workers, 2015

Characteristics

Maximum potential employer contribution

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 0.0 0.5 0.2 0.0 0.0

Management, professional, and related .................. 0.0 0.3 0.3 0.0 0.0

Management, business, and financial ................. 0.3 0.0 0.7 0.0 0.0

Professional and related ...................................... 0.2 – 0.2 0.5 0.0

Service ..................................................................... 0.0 0.0 0.3 1.1 1.3

Sales and office ....................................................... 0.2 0.0 2 ( ) 0.0 0.0

Sales and related ................................................. 0.0 0.0 1.0 0.0 0.0

Office and administrative support ........................ – 0.2 0.1 1.3 0.0

Natural resources, construction, and maintenance 0.3 0.2 0.0 0.7 0.0

Installation, maintenance, and repair ................... – 0.1 0.0 0.5 0.0

Production, transportation, and material moving ..... 0.0 0.0 0.0 0.4 0.0

Production ............................................................ 0.1 0.4 0.2 0.0 0.6

Transportation and material moving .................... 0.0 0.5 0.3 1.3 0.0

Full time ................................................................... 0.0 0.4 0.1 0.0 0.0

Part time .................................................................. 0.0 – 0.3 0.6 0.0

Union ....................................................................... – – 0.6 0.6 1.2

Nonunion ................................................................. 0.0 0.4 0.7 0.0 0.0

Average wage within the following categories3:

Lowest 25 percent ............................................... 0.0 0.1 0.8 0.3 0.0

Lowest 10 percent ........................................... 0.0 2 ( ) 0.1 – 0.9

Second 25 percent ............................................... 0.0 0.0 0.7 0.4 0.0

Third 25 percent ................................................... 0.0 0.3 0.0 0.3 0.0

Highest 25 percent ............................................... 0.3 0.1 0.7 0.0 0.0

Highest 10 percent ........................................... – 0.0 0.7 0.4 0.0

Establishment characteristics

Goods-producing industries ..................................... 0.0 0.2 0.1 0.0 0.3

Manufacturing ...................................................... 0.0 0.4 0.1 0.0 0.2

Service-providing industries ..................................... 0.0 0.3 0.5 2 ( ) 0.0

Trade, transportation, and utilities ....................... 2 ( ) 0.5 0.0 0.9 0.0

Wholesale trade ............................................... 0.0 0.2 0.0 0.1 0.7

Retail trade ...................................................... 0.0 0.0 0.0 0.0 0.0

Transportation and warehousing ..................... – – – 0.0 0.0

Utilities ............................................................. 0.0 0.2 0.8 2 ( ) 0.4

Information ........................................................... 0.0 – 0.3 0.9 0.0

Financial activities ................................................ 0.3 0.0 1.1 1.5 0.0

Finance and insurance .................................... 0.0 0.0 0.0 0.3 0.0

Credit intermediation and related activities .. 0.0 1.1 0.0 0.4 0.0

Insurance carriers and related activities ...... 0.5 0.0 0.5 1.2 0.0

Professional and business services ..................... 0.4 0.3 0.0 – 0.0

Professional and technical services ................. – – 0.0 – –

Education and health services ............................. – 0.0 – 0.3 0.0

Educational services ........................................ – – 1.3 0.0 –

Junior colleges, colleges, and universities ... – – 0.0 0.6 –

Health care and social assistance ................... – 0.4 – 1.0 0.8

See footnotes at end of table.
Table 62. Standard errors for savings and thrift plans: Maximum potential employer

contribution,1

 private industry workers, 2015—continued

Characteristics

Maximum potential employer contribution

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 0.0 0.6 0.0 0.0 0.7

1 to 49 workers .................................................... 0.1 0.5 0.0 0.0 0.0

50 to 99 workers .................................................. – – 0.0 0.7 1.3

100 workers or more ................................................ 0.0 0.4 0.5 0.8 0.0

100 to 499 workers .............................................. 0.0 0.3 0.7 1.4 0.0

500 workers or more ............................................ 0.0 – 0.7 0.8 0.0

Geographic areas

Northeast ................................................................. – 0.6 0.0 0.7 1.0

New England ....................................................... 0.2 0.2 0.4 0.4 0.0

Middle Atlantic ..................................................... 0.0 0.4 0.6 0.9 0.0

South ....................................................................... 0.3 0.8 0.1 0.5 0.0

South Atlantic ....................................................... – – 0.6 0.6 0.0

East South Central ............................................... 0.0 – 0.9 1.4 0.0

West South Central .............................................. 0.4 0.5 0.1 1.2 0.0

Midwest .................................................................... 0.0 0.0 0.0 0.1 0.0

East North Central ............................................... 0.0 0.0 0.0 0.0 0.0

West North Central .............................................. 0.0 – 0.0 0.9 0.0

West ......................................................................... 0.1 0.5 0.1 0.6 0.0

Mountain .............................................................. 0.0 – 0.0 0.0 0.0

Pacific .................................................................. – 0.6 0.3 0.5 0.0

1 The maximum potential employer contribution is determined by multiplying the maximum employee contribution subject to matching by the

employer matching percent, for those plans that specify both values. 2 Less than 0.05. 3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with

earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the National

Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 63. Savings and thrift plans: Default enrollment amount as a percent of the employee maximum amount

matched by employer, private industry workers, 2015

(All workers participating in savings and thrift plans = 100 percent)

Characteristics

Automatic

enrollment

available

Default enrollment amount as a percent of the employee

maximum amount matched by employer1

Automatic

enrollment

not available

Not

determinable 10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 38 33 50 60 100 100 54 8

Management, professional, and related .................. 43 – 50 60 100 100 47 10

Management, business, and financial ................. 43 – 50 50 100 100 47 10

Professional and related ...................................... 43 – 50 60 – 100 47 10

Service ..................................................................... 25 – 50 – 75 100 69 6

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

Sales and office ....................................................... 33 25 50 50 75 100 60 7

Sales and related ................................................. 25 25 25 44 67 83 67 8

Office and administrative support ........................ 37 44 50 60 75 100 56 6

Natural resources, construction, and maintenance 36 – 50 50 – 100 54 10

Installation, maintenance, and repair ................... 41 25 – 50 60 100 48 11

Production, transportation, and material moving ..... 45 50 67 100 100 – 48 7

Production ............................................................ 45 50 – 100 100 – 46 9

Transportation and material moving .................... 44 50 60 – 100 150 51 5

Full time ................................................................... 39 – 50 60 100 100 52 8

Part time .................................................................. 28 25 – 67 75 100 65 7

Union ....................................................................... 28 50 50 60 100 100 62 10

Nonunion ................................................................. 39 33 50 60 100 100 53 8

Average wage within the following categories2:

Lowest 25 percent ............................................... 23 25 – 67 – 100 72 5

Lowest 10 percent ........................................... – – – – – – 68 –

Second 25 percent ............................................... 36 44 50 60 100 100 57 8

Third 25 percent ................................................... 43 40 50 60 100 100 48 9

Highest 25 percent ............................................... 43 – 50 60 100 100 48 9

Highest 10 percent ........................................... 45 43 50 60 – 100 47 8

Establishment characteristics

Goods-producing industries ..................................... 50 50 60 100 100 – 41 9

Manufacturing ...................................................... 54 50 60 100 100 150 36 10

Service-providing industries ..................................... 35 25 50 50 75 100 57 8

Trade, transportation, and utilities ....................... 32 25 – 50 100 100 62 6

Wholesale trade ............................................... 40 33 43 60 – 100 53 7

Retail trade ...................................................... 24 25 25 – 67 100 70 6

Transportation and warehousing ..................... 38 60 – 100 100 100 56 6

Utilities ............................................................. 40 40 50 50 60 – 52 8

Information ........................................................... 46 44 44 50 – – 49 5

Financial activities ................................................ 47 50 50 60 – 100 45 8

Finance and insurance .................................... 50 50 50 60 86 100 43 7

Credit intermediation and related activities .. 40 50 50 60 – 100 54 6

Insurance carriers and related activities ...... 63 – 50 60 100 100 28 9

Professional and business services ..................... 38 20 – 50 50 100 59 4

Professional and technical services ................. 24 – – – – – 71 6

Education and health services ............................. 31 – – 75 75 100 55 14

Educational services ........................................ – – – – – – – 2

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

Health care and social assistance ................... 33 – – 75 – 100 51 16

See footnotes at end of table.
Table 63. Savings and thrift plans: Default enrollment amount as a percent of the employee maximum amount

matched by employer, private industry workers, 2015—continued

(All workers participating in savings and thrift plans = 100 percent)

Characteristics

Automatic

enrollment

available

Default enrollment amount as a percent of the employee

maximum amount matched by employer1

Automatic

enrollment

not available

Not

determinable 10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 33 – 50 60 75 100 55 11

1 to 49 workers .................................................... 32 25 50 60 75 100 58 10

50 to 99 workers .................................................. 36 43 50 50 100 – 51 14

100 workers or more ................................................ 41 – 50 60 100 100 53 6

100 to 499 workers .............................................. 35 – 50 67 100 100 59 6

500 workers or more ............................................ 49 – 50 50 100 100 44 6

Geographic areas

Northeast ................................................................. 37 43 50 67 – 100 50 13

Middle Atlantic ..................................................... 42 43 – 67 75 100 51 7

South ....................................................................... 35 – 50 50 100 100 62 3

South Atlantic ....................................................... 38 – 50 50 100 100 59 3

East South Central ............................................... 29 50 50 67 – 100 68 2

West South Central .............................................. 33 20 – 60 75 100 64 3

Midwest .................................................................... 41 – 50 – 100 100 51 8

East North Central ............................................... 45 – 50 – 100 100 47 8

West North Central .............................................. 32 – 50 – 100 100 59 10

West ......................................................................... 42 – 50 50 – 100 45 13

Mountain .............................................................. 42 – 50 50 – 100 42 16

Pacific .................................................................. 42 – 43 50 – 100 47 12

1 The percentage is determined by the ratio of the default enrollment amount to the maximum employee contribution matched by the employer, for those plans that specify both values. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March

2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 63. Standard errors for savings and thrift plans: Default enrollment amount as a percent of the employee

maximum amount matched by employer, private industry workers, 2015

Characteristics

Automatic

enrollment

available

Default enrollment amount as a percent of the employee

maximum amount matched by employer1

Automatic

enrollment

not available

Not

determinable 10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Worker characteristics

All workers ............................................................... 1.7 7.3 0.0 2.5 2.6 0.0 1.7 1.1

Management, professional, and related .................. 2.9 – 1.0 13.0 17.0 0.0 3.2 2.1

Management, business, and financial ................. 3.5 – 0.0 11.5 11.9 0.0 3.9 2.0

Professional and related ...................................... 3.4 – 3.7 16.0 – 0.0 3.6 3.1

Service ..................................................................... 5.7 – 0.0 – 13.4 25.4 5.6 2.3

Protective service ................................................ – – – – – – 9.2 –

Sales and office ....................................................... 2.1 7.2 7.6 13.4 5.3 0.0 2.3 1.2

Sales and related ................................................. 3.2 0.0 4.3 8.6 4.7 11.6 3.9 2.8

Office and administrative support ........................ 2.8 7.0 0.0 6.8 15.8 0.0 2.8 1.3

Natural resources, construction, and maintenance 3.7 – 8.1 0.0 – 0.0 3.8 2.7

Installation, maintenance, and repair ................... 4.5 4.8 – 0.0 14.1 6.8 4.2 3.2

Production, transportation, and material moving ..... 4.5 4.8 13.7 0.0 0.0 – 4.0 1.6

Production ............................................................ 7.0 12.7 – 0.0 0.0 – 5.8 2.7

Transportation and material moving .................... 5.2 7.4 9.5 – 0.0 28.9 5.1 1.2

Full time ................................................................... 1.7 – 0.0 2.5 0.0 0.0 1.8 1.2

Part time .................................................................. 3.3 0.0 – 18.0 12.9 0.0 3.3 2.2

Union ....................................................................... 5.5 1.8 6.6 5.7 21.7 0.0 5.8 2.8

Nonunion ................................................................. 1.8 9.2 0.0 4.0 0.0 0.0 1.9 1.2

Average wage within the following categories2:

Lowest 25 percent ............................................... 3.4 0.0 – 12.1 – 0.0 3.5 1.4

Lowest 10 percent ........................................... – – – – – – 9.1 –

Second 25 percent ............................................... 3.3 8.6 0.0 10.0 0.0 0.0 3.3 1.2

Third 25 percent ................................................... 2.2 9.7 0.0 7.2 0.0 0.0 2.3 1.7

Highest 25 percent ............................................... 3.0 – 0.0 14.1 11.5 0.0 3.3 1.9

Highest 10 percent ........................................... 4.0 11.9 0.0 13.7 – 0.0 4.4 1.7

Establishment characteristics

Goods-producing industries ..................................... 4.7 0.0 7.3 7.9 0.0 – 4.5 1.6

Manufacturing ...................................................... 5.3 0.0 9.2 9.1 0.0 42.5 4.8 1.9

Service-providing industries ..................................... 1.6 4.8 5.8 4.8 3.0 0.0 1.8 1.3

Trade, transportation, and utilities ....................... 2.1 0.0 – 13.3 21.7 0.0 2.4 1.7

Wholesale trade ............................................... 3.9 0.0 9.2 15.2 – 0.0 4.3 2.4

Retail trade ...................................................... 3.0 0.0 0.0 – 18.7 26.0 3.0 2.8

Transportation and warehousing ..................... 7.5 10.9 – 0.0 0.0 0.0 7.5 3.5

Utilities ............................................................. 9.3 10.5 9.3 11.4 0.0 – 9.2 4.8

Information ........................................................... 7.5 0.0 1.4 0.0 – – 7.4 3.3

Financial activities ................................................ 3.2 0.0 0.0 0.0 – 0.0 3.0 1.6

Finance and insurance .................................... 3.3 0.0 0.0 0.0 23.1 0.0 3.3 1.6

Credit intermediation and related activities .. 5.1 0.0 0.0 0.0 – 0.0 5.5 2.2

Insurance carriers and related activities ...... 4.0 – 0.0 4.6 6.9 0.0 3.3 2.8

Professional and business services ..................... 5.4 0.0 – 11.8 0.0 18.2 6.1 2.0

Professional and technical services ................. 5.0 – – – – – 6.2 3.3

Education and health services ............................. 4.6 – – 7.6 18.2 11.2 4.7 5.4

Educational services ........................................ – – – – – – – 2.1

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

Health care and social assistance ................... 5.2 – – 0.0 – 11.2 5.1 6.1

See footnotes at end of table.
Table 63. Standard errors for savings and thrift plans: Default enrollment amount as a percent of the employee

maximum amount matched by employer, private industry workers, 2015—continued

Characteristics

Automatic

enrollment

available

Default enrollment amount as a percent of the employee

maximum amount matched by employer1

Automatic

enrollment

not available

Not

determinable 10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

1 to 99 workers ........................................................ 2.9 – 4.1 10.0 12.8 0.0 3.3 2.6

1 to 49 workers .................................................... 3.3 5.0 12.9 13.1 4.6 0.0 3.6 2.0

50 to 99 workers .................................................. 5.7 2.0 5.5 13.3 24.2 – 5.7 6.9

100 workers or more ................................................ 2.4 – 0.0 4.5 0.0 0.0 2.4 0.7

100 to 499 workers .............................................. 2.7 – 0.0 12.0 0.0 0.0 2.7 1.2

500 workers or more ............................................ 3.7 – 0.0 13.0 0.0 0.0 3.6 1.3

Geographic areas

Northeast ................................................................. 5.0 7.8 13.1 12.3 – 0.0 5.6 2.3

Middle Atlantic ..................................................... 6.6 8.5 – 12.5 0.0 0.0 7.8 2.3

South ....................................................................... 2.1 – 0.0 12.8 23.5 0.0 2.0 0.6

South Atlantic ....................................................... 3.2 – 0.0 5.2 6.4 0.0 2.8 0.8

East South Central ............................................... 4.5 7.9 0.0 5.3 – 0.0 4.4 1.2

West South Central .............................................. 3.0 0.0 – 15.5 16.5 12.1 3.6 1.4

Midwest .................................................................... 3.8 – 0.0 – 0.0 0.0 3.7 1.8

East North Central ............................................... 4.7 – 1.4 – 0.0 20.4 4.4 2.4

West North Central .............................................. 4.5 – 0.0 – 0.0 0.0 5.5 2.3

West ......................................................................... 3.4 – 3.4 3.2 – 0.0 3.3 3.8

Mountain .............................................................. 5.2 – 0.0 10.0 – 21.0 4.5 8.7

Pacific .................................................................. 4.4 – 9.4 5.2 – 0.0 4.6 2.4

1 The percentage is determined by the ratio of the default enrollment amount to the maximum employee contribution matched by the employer, for those plans that specify both values. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.

The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March

2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 64. Savings and thrift plans: Selected automatic escalation features, private industry workers, 2015

(All workers participating in savings and thrift plans with automatic enrollment = 100 percent)

Characteristics

Automatic

escalation

available

Automatic escalation features1

Automatic

escalation

not available

Not

determinable

Employee

contribution

escalates for

predetermined

number of

years

Median

number of

years of

escalation

Employee

contribution

escalates to

specified

percent of

earnings

Median

percent of

earnings after

maximum

escalation

Worker characteristics

All workers ............................................................... 35 23 3 32 6.0 53 12

Management, professional, and related .................. 35 26 3 29 6.0 49 16

Management, business, and financial ................. 37 27 – 30 6.0 51 12

Service ..................................................................... – – – – – 68 –

Sales and office ....................................................... 38 22 3 36 6.0 51 11

Sales and related ................................................. 24 – – 24 – 71 4

Office and administrative support ........................ 43 26 3 40 6.0 43 13

Natural resources, construction, and maintenance 55 35 3 53 6.0 41 4

Installation, maintenance, and repair ................... 59 37 3 56 6.0 36 5

Production, transportation, and material moving ..... 30 14 – 29 – 62 8

Production ............................................................ 25 – – 24 7.0 65 11

Transportation and material moving .................... 37 – – 36 10.0 59 4

Full time ................................................................... 34 23 3 31 6.0 53 13

Part time .................................................................. 48 – – 48 – 49 3

Union ....................................................................... – – – – – 47 –

Nonunion ................................................................. 35 23 3 32 6.0 53 12

Average wage within the following categories2:

Lowest 25 percent ............................................... – – – – – 57 –

Second 25 percent ............................................... 37 19 3 37 6.0 57 6

Third 25 percent ................................................... 36 23 – 33 6.0 55 9

Highest 25 percent ............................................... 34 25 3 29 6.0 48 17

Highest 10 percent ........................................... 36 29 3 32 6.0 44 19

Establishment characteristics

Goods-producing industries ..................................... 28 16 – 24 8.0 55 17

Manufacturing ...................................................... 29 16 – 25 8.0 54 17

Service-providing industries ..................................... 38 25 3 35 6.0 52 10

Trade, transportation, and utilities ....................... 36 – – 34 – 60 4

Financial activities ................................................ 54 45 3 54 6.0 34 12

Finance and insurance .................................... 55 46 3 55 6.0 35 10

Credit intermediation and related activities .. 64 59 2 64 5.0 35 2

Insurance carriers and related activities ...... 48 35 4 48 7.0 38 14

Education and health services ............................. – – – – – – 9

See footnotes at end of table.
Table 64. Savings and thrift plans: Selected automatic escalation features, private industry workers,

2015—continued

(All workers participating in savings and thrift plans with automatic enrollment = 100 percent)

Characteristics

Automatic

escalation

available

Automatic escalation features1

Automatic

escalation

not available

Not

determinable

Employee

contribution

escalates for

predetermined

number of

years

Median

number of

years of

escalation

Employee

contribution

escalates to

specified

percent of

earnings

Median

percent of

earnings after

maximum

escalation

1 to 99 workers ........................................................ 39 33 3 36 6.0 54 7

1 to 49 workers .................................................... 39 35 3 39 6.0 55 5

50 to 99 workers .................................................. 38 – – 29 7.0 52 10

100 workers or more ................................................ 34 17 – 30 6.0 52 14

100 to 499 workers .............................................. 29 11 4 27 7.0 61 10

500 workers or more ............................................ 39 23 – 34 6.0 43 18

Geographic areas

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

New England ....................................................... – – – – – 66 –

Middle Atlantic ..................................................... – – – – – 48 –

South ....................................................................... 35 18 3 28 6.0 51 14

South Atlantic ....................................................... 37 19 4 25 – 45 17

East South Central ............................................... 43 – – 41 6.0 50 7

West South Central .............................................. 28 16 3 27 6.0 61 11

Midwest .................................................................... 32 22 3 30 6.0 62 7

East North Central ............................................... 31 21 3 28 6.0 62 7

West North Central .............................................. 35 – – 35 10.0 61 4

West ......................................................................... 37 24 3 36 7.0 46 16

Mountain .............................................................. – – – – – 56 –

1 The sum of the individual components may exceed the total because some workers may be in plans in which employee contribution is escalated based on both years of service and

as a specified percent of earnings. 2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the

threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation -

March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.
Table 64. Standard errors for savings and thrift plans: Selected automatic escalation features, private industry

workers, 2015

Characteristics

Automatic

escalation

available

Automatic escalation features

Automatic

escalation

not available

Not

determinable

Employee

contribution

escalates for

predetermined

number of

years

Median

number of

years of

escalation

Employee

contribution

escalates to

specified

percent of

earnings

Median

percent of

earnings after

maximum

escalation

Worker characteristics

All workers ............................................................... 3.6 3.2 0.0 3.4 0.0 3.4 1.8

Management, professional, and related .................. 4.1 3.9 0.0 3.9 0.0 4.3 2.9

Management, business, and financial ................. 4.6 4.3 – 3.8 0.0 5.0 2.6

Service ..................................................................... – – – – – 12.6 –

Sales and office ....................................................... 4.9 3.4 0.2 4.9 0.0 4.6 3.0

Sales and related ................................................. 5.5 – – 5.5 – 5.3 2.0

Office and administrative support ........................ 5.7 4.2 0.2 5.8 0.0 5.1 3.9

Natural resources, construction, and maintenance 9.4 9.6 0.4 9.4 0.9 8.5 2.0

Installation, maintenance, and repair ................... 10.6 11.0 0.5 10.6 1.1 9.1 2.5

Production, transportation, and material moving ..... 5.3 4.0 – 5.3 – 6.4 2.9

Production ............................................................ 5.3 – – 5.2 2.0 7.5 4.4

Transportation and material moving .................... 8.8 – – 8.9 2.0 9.0 2.7

Full time ................................................................... 3.4 3.0 0.0 3.3 0.0 3.4 1.9

Part time .................................................................. 9.1 – – 9.1 – 8.9 2.1

Union ....................................................................... – – – – – 11.8 –

Nonunion ................................................................. 3.6 3.3 0.0 3.4 0.0 3.5 1.9

Average wage within the following categories1:

Lowest 25 percent ............................................... – – – – – 9.9 –

Second 25 percent ............................................... 5.9 4.5 0.0 5.8 0.0 6.1 1.9

Third 25 percent ................................................... 4.6 4.2 – 4.4 1.4 4.1 1.7

Highest 25 percent ............................................... 3.7 2.9 0.6 3.4 0.4 4.1 3.5

Highest 10 percent ........................................... 4.6 3.8 0.0 4.5 0.0 5.4 3.3

Establishment characteristics

Goods-producing industries ..................................... 4.3 4.2 – 4.2 1.2 5.9 4.5

Manufacturing ...................................................... 4.3 4.3 – 4.3 1.1 6.0 4.3

Service-providing industries ..................................... 4.4 3.9 0.0 4.3 0.0 4.1 1.9

Trade, transportation, and utilities ....................... 6.5 – – 7.0 – 6.0 2.1

Financial activities ................................................ 4.6 3.9 0.0 4.6 0.2 3.7 3.8

Finance and insurance .................................... 4.7 4.0 0.0 4.7 0.2 3.7 3.5

Credit intermediation and related activities .. 5.9 6.1 0.4 5.9 0.3 6.0 1.1

Insurance carriers and related activities ...... 6.9 6.0 1.0 6.9 1.0 4.9 4.8

Education and health services ............................. – – – – – – 6.1

See footnotes at end of table.
Table 64. Standard errors for savings and thrift plans: Selected automatic escalation features, private industry

workers, 2015—continued

Characteristics

Automatic

escalation

available

Automatic escalation features

Automatic

escalation

not available

Not

determinable

Employee

contribution

escalates for

predetermined

number of

years

Median

number of

years of

escalation

Employee

contribution

escalates to

specified

percent of

earnings

Median

percent of

earnings after

maximum

escalation

1 to 99 workers ........................................................ 6.2 6.3 0.0 6.0 0.0 5.9 2.2

1 to 49 workers .................................................... 9.9 9.8 0.0 9.9 0.0 9.3 2.3

50 to 99 workers .................................................. 9.6 – – 8.6 1.6 9.1 4.5

100 workers or more ................................................ 3.6 2.3 – 3.7 1.1 3.6 2.4

100 to 499 workers .............................................. 5.3 3.0 0.9 5.3 1.4 5.6 2.9

500 workers or more ............................................ 5.4 3.4 – 5.5 1.7 4.7 5.1

Geographic areas

Northeast ................................................................. – – – – – 11.8 –

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

Middle Atlantic ..................................................... – – – – – 14.5 –

South ....................................................................... 6.0 3.6 0.8 5.0 0.0 5.6 3.4

South Atlantic ....................................................... 9.5 5.6 0.8 7.2 – 8.0 4.1

East South Central ............................................... 9.1 – – 8.2 0.7 8.2 5.1

West South Central .............................................. 7.7 3.1 0.0 7.7 0.0 10.7 7.2

Midwest .................................................................... 4.6 3.9 0.3 4.9 1.7 5.4 2.4

East North Central ............................................... 5.2 4.1 0.0 5.7 0.0 6.6 3.1

West North Central .............................................. 9.4 – – 9.4 0.9 9.2 1.7

West ......................................................................... 6.1 5.0 0.8 5.8 1.2 5.4 3.9

Mountain .............................................................. – – – – – 9.7 –

1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the

threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation

- March 2015."

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation 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 2015 estimates on 

detailed provisions of employer-provided health and retirement benefit plans offered to private 

industry workers in the United States. Excluded are federal government workers, the military, 

state and local government workers, agricultural workers, private household workers, and the 

self-employed. Previous publications containing information on employee benefits for private 

industry and state and local government workers are available on the BLS website 

at www.bls.gov/ncs/ebs. 

Survey scope and method 

Information on the survey scope, sample design, data collection, estimation, reliability of 

estimates, and technical references are available in Chapter 8 of the BLS Handbook of 

Methods, www.bls.gov/opub/hom/pdf/homch8.pdf. Definitions of major plans, key provisions, 

and related benefit terms used by the National Compensation Survey are provided in the 

Glossary of Employee Benefit Terms, available online 

at www.bls.gov/ncs/ebs/glossary20152016.htm. For information on survey establishment 

response and on the number of workers represented by the survey, see Appendix tables 1 and 2, 

respectively. 

 Appendix Table 1 (TXT) (PDF) 

 Appendix Table 2 (TXT) (PDF) 

Calculation details 

For data presented by wage category, average hourly earnings from sampled occupations within 

an establishment were used to produce estimates for worker groups within six earnings 

categories: the lowest 10 percent, the lowest 25 percent, the second 25 percent, the third 25 

percent, the highest 25 percent, and the highest 10 percent. The categories are based on March 

2015 wages and salaries from the Employer Costs for Employee Compensation.
Appendix table 1. Survey establishment response, private

industry, 2015

Establishments Number of

establishments

Total in sampling frame1 ........................................................ 5,871,220

 Total in sample .................................................................... 3,352

 Responding2 ...................................................................... 2,380

 Refused3 ............................................................................ 748

 Out of business or not in survey scope .............................. 224

1 The list of establishments from which the survey sample was selected (sampling

frame) was developed from State unemployment insurance reports and is based on the 2012

North American Industry Classification System (NAICS). For private industries, an

establishment is usually a single physical location. 2 Establishments that provided data at the initial interview. 3 Establishments that did not provide data at the initial interview. Data for establishments

not responding at the time of update interviews are imputed. Detailed information on

nonresponse adjustment and imputation can be found in BLS Handbook of Methods,

Chapter 8, “National Compensation Measures,” Bureau of Labor Statistics, on the Internet at

www.bls.gov/opub/hom/pdf/homch8.pdf.

Source: Bureau of Labor Statistics, National Compensation Survey.
Appendix table 2. Number of workers represented, private

industry, 2015

Occupational group1 Estimated number

of workers2

All workers ............................................................................. 111,811,700

Management, professional, and related ............................ 29,468,500

Management, business, and financial ........................... 11,189,600

Professional and related ................................................ 18,278,900

Service ............................................................................... 25,564,800

Protective service .......................................................... 1,616,600

Sales and office ................................................................. 29,105,300

Sales and related ........................................................... 11,793,300

Office and administrative support .................................. 17,312,100

Natural resources, construction, and maintenance ........... 9,380,700

Construction, extraction, farming, fishing, and forestry .. 4,661,400

Installation, maintenance, and repair ............................. 4,719,300

Production, transportation, and material moving ............... 18,292,400

Production ...................................................................... 9,287,100

Transportation and material moving .............................. 9,005,200

1 The 2010 Standard Occupational Classification system is used to classify workers. 2 The number of workers represented by the survey are rounded to the nearest 100.

Estimates of the number of workers provide a description of the size and composition of the

labor force included in the survey. Estimates are not intended, however, for comparison to

other statistical series to measure employment trends or levels.

Source: Bureau of Labor Statistics, National Compensation Survey.
The percentiles were computed using earnings reported for individual workers in sampled 

establishment jobs and their scheduled hours of work. Establishments in the survey are asked to 

report only individual worker earnings for each sample job. For the calculation of the hourly 

percentile values, the individual worker hourly earnings are weighted and arrayed from lowest to 

highest. The values corresponding to the percentiles are as follows: 

 

Characteristic 

Hourly wage percentile 

10 25 50 (median) 75 90 

Private industry workers $9.00 $11.64 $17.40 $27.89 $43.27 

The lowest 10-percent and 25-percent wage categories include those occupations with an average 

hourly wage less than the 10th percentile and 25th percentile value, respectively. The second 25-

percent category includes those occupations that earn at or above the 25th percentile value but 

less than the 50th percentile value. The third 25-percent category includes those occupations that 

earn at or above the 50th percentile value but less than the 75th percentile value. Finally, the 

highest 25- and 10-percent wage categories include those occupations with an average wage 

value greater than or equal to the 75th and 90th percentile value, respectively. 

(Note: Individual workers can fall into an earnings category different from the average for the 

occupation into which they are classified because average hourly earnings for the occupation are 

used to produce the benefit estimates.) 

Not determinable estimates 

Some tables in this bulletin contain columns with estimates classified as "not determinable." 

Situations that result in this classification can vary. In detailed provisions of employer-provided 

health care plans, the "not determinable" classification is used whenever no information on a 

particular plan feature is available from the Summary Plan Description (SPD). The SPD is used 

as a primary source of information on the provisions of a health benefit plan. For example, in 
table 1, workers are classified as participating in four types of fee-for-service plans. Workers that 

were known to participate in a fee-for-service plan, but the plan type was either not specified or 

was specified but did not fit into any of the four categories used in the table, were classified into 

the "not determinable" category. 

Another situation in which the "not determinable" classification may be used is when workers 

participate in plans in which a provision is known to exist, but no information on the specific 

details of this provision is available from the SPD. For example, in one of the tables, all workers 

participate in fee-for-service plans. The majority of the workers included in this table 

participated in plans that specified a deductible, but a small percentage of workers participated in 

plans in which the deductible was mentioned but not described. These workers were classified 

into the "not determinable" category. 

Interpreting the tables 

All estimates shown in the table are based on the set of workers specified underneath the table 

title and on any subsets indicated by column headers. For example, the statement may indicate 

that “All workers participating in medical care plans = 100 percent,” or “Includes all workers 

participating in savings and thrift plans that specify matching contributions.” 

Most of the estimates in this bulletin are expressed in terms of the percentage of workers 

participating in a particular benefit plan or the percentage covered by a specific provision. Some 

estimates, however, provide values other than percentages of workers, such as the median age 

requirement for eligibility to participate in a defined benefit retirement plan; dollar averages, 

medians, and percentiles for various benefit provisions; and the specified matching percent (by 

percentile) an employer will contribute to an employees’ savings and thrift retirement plan. 

Estimates in the non-shaded columns indicate percentages of workers. Estimates in shaded 

columns measure values other than the percent of workers. 

Geographic areas 

The census regions have been added to the detailed provisions publication beginning with the 

2014 health and retirement plan provisions bulletin. 
The census regions are defined as follows: Northeast: New England and Middle Atlantic; 

South: South Atlantic, East South Central, and West South Central; Midwest: East North 

Central and West North Central; and West: Mountain and Pacific. 

The census divisions are defined as follows: New England: Connecticut, Maine, Massachusetts, 

New Hampshire, Rhode Island and Vermont; Middle Atlantic: New Jersey, New York, and 

Pennsylvania; South Atlantic: Delaware, District of Columbia, Florida, Georgia, Maryland, 

North Carolina, South Carolina, Virginia, and West Virginia; East South Central: Alabama, 

Kentucky, Mississippi, and Tennessee; West South Central: Arkansas, Louisiana, Oklahoma, 

and Texas; East North Central: Illinois, Indiana, Michigan, Ohio, and Wisconsin; West North 

Central: Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, and South Dakota; 

Mountain: Arizona, Colorado, Idaho, Montana, Nevada, New Mexico, Utah, and Wyoming; and 

Pacific: Alaska, California, Hawaii, Oregon, and Washington. 
Appendix table 1. Survey establishment response, private

industry, 2015

Establishments Number of

establishments

Total in sampling frame1 ........................................................ 5,871,220

 Total in sample .................................................................... 3,352

 Responding2 ...................................................................... 2,380

 Refused3 ............................................................................ 748

 Out of business or not in survey scope .............................. 224

1 The list of establishments from which the survey sample was selected (sampling

frame) was developed from State unemployment insurance reports and is based on the 2012

North American Industry Classification System (NAICS). For private industries, an

establishment is usually a single physical location. 2 Establishments that provided data at the initial interview. 3 Establishments that did not provide data at the initial interview. Data for establishments

not responding at the time of update interviews are imputed. Detailed information on

nonresponse adjustment and imputation can be found in BLS Handbook of Methods,

Chapter 8, “National Compensation Measures,” Bureau of Labor Statistics, on the Internet at

www.bls.gov/opub/hom/pdf/homch8.pdf.

Source: Bureau of Labor Statistics, National Compensation Survey.
Appendix table 2. Number of workers represented, private

industry, 2015

Occupational group1 Estimated number

of workers2

All workers ............................................................................. 111,811,700

Management, professional, and related ............................ 29,468,500

Management, business, and financial ........................... 11,189,600

Professional and related ................................................ 18,278,900

Service ............................................................................... 25,564,800

Protective service .......................................................... 1,616,600

Sales and office ................................................................. 29,105,300

Sales and related ........................................................... 11,793,300

Office and administrative support .................................. 17,312,100

Natural resources, construction, and maintenance ........... 9,380,700

Construction, extraction, farming, fishing, and forestry .. 4,661,400

Installation, maintenance, and repair ............................. 4,719,300

Production, transportation, and material moving ............... 18,292,400

Production ...................................................................... 9,287,100

Transportation and material moving .............................. 9,005,200

1 The 2010 Standard Occupational Classification system is used to classify workers. 2 The number of workers represented by the survey are rounded to the nearest 100.

Estimates of the number of workers provide a description of the size and composition of the

labor force included in the survey. Estimates are not intended, however, for comparison to

other statistical series to measure employment trends or levels.

Source: Bureau of Labor Statistics, National Compensation Survey.