Workers with Access to and Participating in Retirement Benefits, 2005
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.