ALL RETIREMENT PLAN COVERAGE TABLES
1. Employer-Sponsored Retirement Plan Coverage, Civilian Workers, 2008-2014 (%)
2. Employer-Sponsored Retirement Plan Coverage, Private-Sector Workers, 2003-2014 (%)
3. Employer-Sponsored Retirement Plan Coverage, State and Local Government Workers, 1998-2014 (%)
4. Employer-Sponsored Retirement Plan Coverage by Number of Workers at Establishment, Private-Sector Workers,
March 2014 (%)
5. Employer-Sponsored Retirement Plan Coverage by Sector and Earnings Quartile, March 2014 (%)
6. Participation in Frozen and Open Defined Benefit Pension Plans by Sector, 2009-2013 (%)
7. Employer-Sponsored Retirement Plan Coverage by Personal Characteristics, Full-Time Wage and Salary Workers,
2009 (%)
Table 1. Employer-Sponsored Retirement Plan Coverage, Civilian Workers, 2008-2014 (%)
Any Retirement Plan
Participate,
among
Offered Participate in
Those
Offered
Plan
Plan
Defined Benefit Pension
Participate,
among
Offered Participate in
Those
Plan
Offered
Plan
Defined Contribution Plan
Participate,
among
Offered Participate in
Those
Plan
Offered
Plan
All Workers
2008
2009
2010
2011
2012
2013
2014
66
71
69
68
68
68
68
56
57
55
55
54
54
53
86
80
80
80
79
80
78
31
31
31
30
29
28
28
29
29
28
28
26
26
25
96
94
92
92
91
90
88
52
56
54
54
55
55
56
39
39
37
37
37
38
38
76
69
69
69
68
69
68
Full-Time Workers
2008
2009
2010
2011
2012
2013
2014
75
80
78
78
78
78
78
66
67
65
65
65
65
64
87
84
84
84
83
83
81
36
36
36
35
34
34
34
34
35
34
33
32
31
30
96
95
94
94
92
92
89
60
64
61
62
63
63
65
46
46
45
45
45
46
46
77
72
72
72
72
72
71
Part-Time Workers
2008
2009
2010
2011
2012
2013
2014
33
40
39
38
38
37
37
25
23
23
22
21
21
21
76
59
58
58
54
57
56
13
14
14
13
12
12
11
12
12
11
10
9
9
8
92
83
80
82
79
80
78
26
31
30
29
30
29
30
17
15
14
13
13
14
14
65
48
47
46
44
47
47
Source: Urban Institute Program on Retirement Policy estimates from the U.S. Bureau of Labor Statistics series, "National Compensation Survey: Employee
Benefits in the United States" (March 2014, March 2013, March 2012, March 2011, March 2010, March 2009, March 2008).
Table 2. Employer-Sponsored Retirement Plan Coverage, Private-Sector Workers, 2003-2014 (%)
Any Retirement Plan
Participate,
among
Those
Offered Participate
Plan
in Plan
Offered
Defined Benefit Pension
Participate,
among
Those
Offered Participate
Plan
in Plan
Offered
Defined Contribution Plan
Participate,
among
Those
Offered Participate
Plan
in Plan
Offered
All Workers
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
57
59
60
60
61
61
67
65
64
65
64
65
NA
50
50
51
51
51
51
50
49
48
49
48
NA
85
83
85
84
83
77
76
76
75
76
75
20
21
22
21
21
21
21
20
20
19
19
19
NA
21
21
20
20
20
20
19
18
17
16
16
NA
100
95
95
95
96
93
91
91
89
87
86
51
53
53
54
55
56
61
59
58
59
59
60
NA
42
42
43
43
43
43
41
41
41
42
42
NA
79
79
80
77
77
70
70
70
70
71
70
Full-Time Workers
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
67
68
69
69
70
71
76
74
73
74
74
74
NA
60
60
60
60
60
61
59
59
59
59
58
NA
88
87
87
85
85
80
80
80
80
80
79
24
25
25
24
24
25
25
24
23
22
22
22
NA
24
25
23
23
24
24
22
22
20
19
19
NA
96
100
96
96
96
95
93
93
91
89
88
60
62
62
63
64
65
70
68
68
69
69
70
NA
50
50
51
50
51
51
50
50
51
51
52
NA
81
81
81
79
78
74
74
74
74
75
74
Part-Time Workers
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
24
27
27
29
31
32
39
39
37
38
37
37
NA
20
19
21
23
23
22
21
20
19
20
19
NA
74
70
72
73
73
55
54
54
50
53
52
8
9
10
9
10
11
11
11
10
9
9
8
NA
9
9
8
9
10
9
8
8
7
7
6
NA
100
90
89
90
90
80
76
79
74
74
73
21
23
23
25
27
27
34
33
31
33
31
32
NA
14
14
16
18
18
16
15
14
14
15
15
NA
61
61
64
65
65
48
47
46
44
47
47
Source: Urban Institute Program on Retirement Policy estimates from the following U.S. Bureau of Labor Statistics series: "National Compensation Survey:
Employee Benefits in the United States" (March 2014, March 2013, March 2012, March 2011, March 2010, March 2009, March 2008); "National Compensation
Survey: Employee Benefits in Private Industry in the United States" (March 2007, March 2006, March 2005, March 2004, March 2003).
Note: NA = "not available."
Table 3. Employer-Sponsored Retirement Plan Coverage, State and Local Government Workers, 1998-2014 (%)
Any Retirement Plan
Participate,
among
Those
Offered Participate
Plan
in Plan
Offered
Defined Benefit Pension
Participate,
among
Those
Offered Participate
Plan
in Plan
Offered
Defined Contribution Plan
Participate,
among
Those
Offered Participate
Plan
in Plan
Offered
All Workers
2007
2008
2009
2010
2011
2012
2013
2014
89
89
90
90
90
89
89
89
86
86
86
85
85
84
85
81
97
96
95
95
95
95
95
91
83
83
84
84
84
83
83
83
79
79
79
79
78
78
78
75
96
96
94
94
94
94
94
89
29
29
30
29
30
31
32
33
18
18
17
17
17
15
15
16
63
62
58
57
56
48
48
48
Full-Time Workers
1998
2007
2008
2009
2010
2011
2012
2013
2014
NA
99
99
99
99
99
99
99
99
98
95
95
95
94
94
94
94
90
NA
97
97
96
96
95
95
95
91
NA
91
91
92
92
92
92
92
92
90
88
88
87
87
87
86
87
83
NA
96
96
95
95
94
94
94
89
NA
33
32
34
33
34
35
36
37
14
21
20
20
19
19
17
17
18
NA
64
62
59
58
56
48
48
48
Part-Time Workers
2007
2008
2009
2010
2011
2012
2013
2014
39
40
41
40
41
39
39
38
37
37
37
36
37
35
35
33
93
94
89
89
91
90
91
86
37
37
38
37
38
35
36
35
35
35
34
34
34
32
33
31
94
95
90
90
91
92
92
88
8
9
10
9
10
9
9
10
5
5
5
5
5
4
4
4
57
54
53
53
50
40
40
44
Source: Urban Institute Program on Retirement Policy estimates from the following U.S. Bureau of Labor Statistics publications: "National Compensation
Survey: Employee Benefits in the United States" (March 2014, March 2013, March 2012, March 2011, March 2010, March 2009, March 2008); "National
Compensation Survey: Employee Benefits in State and Local Governments in the United States, September 2007," and "Employee Benefits in State and Local
Governments, 1998."
Note: NA = "not available."
Table 4. Employer-Sponsored Retirement Plan Coverage by Number of Workers at Establishment, Private-Sector Workers, March 2014 (%)
Number of Workers
1 to 49
50 to 99
100 to 499
500 or more
Any Retirement Plan
Participate,
among
Offered Participate in
Those
Offered
Plan
Plan
45
63
78
89
32
43
55
77
71
68
71
86
Defined Benefit Pension
Participate,
among
Offered Participate in
Those
Plan
Offered
Plan
7
12
20
46
6
11
17
41
87
85
83
88
Defined Contribution Plan
Participate,
among
Offered Participate in
Those
Plan
Offered
Plan
44
58
72
80
30
38
48
63
69
65
67
78
Source: Urban Institute Program on Retirement Policy estimates from the U.S. Bureau of Labor Statistics publication, "National Compensation Survey: Employee
Benefits in the United States, March 2014."
Table 5. Employer-Sponsored Retirement Plan Coverage by Sector and Earnings Quartile, March 2014 (%)
Any Retirement Plan
Participate,
among
Offered Participate in
Those
Offered
Plan
Plan
Defined Benefit Pension
Participate,
among
Offered Participate in
Those
Plan
Offered
Plan
Defined Contribution Plan
Participate,
among
Offered Participate in
Those
Plan
Offered
Plan
Civilian Workers
Bottom Quartile
Second Quartile
Third Quartile
Top Quartile
41
70
81
88
22
52
67
79
53
75
83
89
8
23
36
51
6
20
32
45
78
87
89
89
37
58
65
69
17
39
47
54
48
67
73
78
Private-Sector Workers
Bottom Quartile
Second Quartile
Third Quartile
Top Quartile
38
67
75
85
18
47
62
75
48
71
82
88
5
14
24
36
3
11
21
32
70
85
89
88
36
62
70
80
16
41
52
66
45
67
76
83
66
84
86
89
90
91
91
91
65
86
89
94
58
77
80
84
89
90
89
89
26
35
35
37
13
18
17
16
50
50
49
44
State and Local Government Workers
Bottom Quartile
73
Second Quartile
93
Third Quartile
95
Top Quartile
98
Source: Urban Institute Program on Retirement Policy estimates from the U.S. Bureau of Labor Statistics publications, "National Compensation Survey:
Employee Benefits in the United States, March 2014."
Table 6. Participation in Frozen and Open Defined Benefit Pension Plans by Sector, 2009-2013 (%)
Pct of Defined Benefit Plan Participants
in Frozen Plans
Private- State & Local
Sector
Civilian
Govt
Workers
Workers
Workers
Pct of Workers Participating in Open
Defined Benefit Pension Plans
Private- State & Local
Sector
Civilian
Govt
Workers
Workers
Workers
All
2009
2010
2011
2012
2013
15
16
19
NA
NA
19
22
25
25
26
10
9
11
NA
NA
25
24
23
NA
NA
16
15
14
13
12
71
72
69
NA
NA
Full-time
2009
2010
2011
2012
2013
15
16
19
NA
NA
20
22
25
26
27
10
9
11
NA
NA
30
29
27
NA
NA
19
17
17
15
14
78
79
77
NA
NA
Part-time
2009
2010
2011
2012
2013
14
13
17
NA
NA
16
14
19
15
19
10
10
13
NA
NA
10
10
NA
NA
NA
8
7
6
6
6
31
31
NA
NA
NA
Source: Urban Institute Program on Retirement Policy estimates from the U.S. Bureau of Labor Statistics series,
"National Compensation Survey: Employee Benefits in the United States" (March 2013, March 2012, March
2011, March 2010, March 2009).
Note: Frozen plans are closed to new workers or have ceased accruing benefits for at least some participants.
Open plans accept new participants. NA = "not available."
Table 7. Employer-Sponsored Retirement Plan Coverage by Personal Characteristics, Full-Time Wage and Salary Workers, 2009 (%)
Any Retirement Plan
Participate,
among
Those
Offered Participate in
Plan
Plan
Offered
Defined Benefit Pension
Participate,
among
Those
Offered Participate in
Plan
Plan
Offered
Defined Contribution Plan
Participate,
among
Those
Offered Participate in
Plan
Plan
Offered
Sex
Men
Women
70.3
72.0
62.5
63.4
88.9
87.9
33.7
34.7
30.3
31.0
89.9
89.3
58.3
59.5
45.3
45.6
77.8
76.7
Age
25-34
35-44
45-54
55-64
64.5
71.1
74.5
75.5
53.9
62.3
67.7
69.7
83.6
87.6
90.8
92.3
27.3
33.1
37.7
40.6
23.9
29.1
34.1
37.8
87.8
87.9
90.3
93.0
56.0
59.2
61.0
58.9
39.4
46.0
49.3
47.5
70.4
77.6
80.8
80.6
Education
Not high school graduate
High school graduate
Some college
Bachelor's degree or more
37.4
62.9
72.2
81.1
27.5
53.2
63.0
75.1
73.6
84.5
87.2
92.5
14.7
28.9
32.9
42.1
12.6
25.9
29.4
38.0
85.5
89.7
89.2
90.3
30.9
51.2
60.7
66.8
18.6
36.5
46.3
55.0
60.2
71.3
76.2
82.3
Race and Hispanic origin
Non-Hispanic white
African American
Hispanic
Other
75.9
69.3
49.9
67.3
68.6
58.1
39.5
60.0
90.3
83.8
79.2
88.9
36.5
35.2
22.7
31.3
32.8
32.1
20.0
27.4
89.7
91.2
88.3
87.7
63.5
54.6
40.2
56.1
50.8
36.2
26.7
44.5
79.9
66.4
66.5
79.4
Annual Earnings ($2010)
Less than $25,000
$25,000 to $49,999
$50,000 to $99,999
$100,000 or more
44.1
71.6
84.5
86.8
32.9
61.4
79.6
83.6
74.5
85.8
94.1
96.2
18.0
32.5
44.9
43.1
15.1
29.5
40.9
37.4
83.9
90.8
91.0
86.8
38.6
58.8
68.4
74.8
22.8
43.1
58.0
67.1
59.0
73.4
84.8
89.7
Source: Urban Institute Program on Retirement Policy estimates from the Survey of Income and Program Participation (SIPP).
Note: Estimates are restricted to wage and salary workers ages 25 to 64 employed at least 35 hours per week. Annual earnings are reported in constant 2010 dollars
and estimated as four times quarterly earnings, as reported in SIPP. Workers classified as having some college did not earn a Bachelor's degree.