Workers with Access to and Participating in Retirement Benefits, 2005

	All retirement plans		Defined benefit¹		Defined Contribution²
	Access	Participation	Access	Participation	Access	Participation
All workers	60%	50%	22%	21%	53%	42%
White collar	70	61	25	24	64	53
Blue collar	60	51	26	26	50	38
Service	32	22	7	7	28	18
Bargaining status:
Union	88	85	73	72	49	54
Nonunion	56	46	16	15	54	41
Establishment size:
Less than 100 workers	44	37	10	9	40	32
100 or more workers	78	67	37	36	69	53
Industry:
Goods producing	71	64	33	32	61	50
Services producing	56	47	19	18	51	39

NOTES: Data include full-time and part-time private workers.

1. Defined benefit plans guarantee a periodic or lump-sum benefit at retirement.

2. Defined contribution plans—such as 401(k) plans—specify a formula for depositing funds into an account for each employee, but do not guarantee a future benefit.

Source: U.S. Department of Labor, Bureau of Labor Statistics: Monthly Labor Review, Feb. 2006.

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