Medical care benefits, family coverage: Employer and employee premiums by employee contribution requirement Standard Errors

Table 13. Standard errors for medical care benefits, family coverage: Employer and employee
premiums by employee contribution requirement, private industry workers,  National
Compensation Survey, March 2009

Characteristics

Total

Employee contribution not
required

Employee contribution required

Average
flat monthly
employer
premium

Percent of
participating
employees

Average
flat monthly
employer
premium

Percent of
participating
employees

Average
flat monthly
employer
premium

Average
flat monthly
employee
contribution

All workers

$6.04

0.5

$16.66

0.5

$5.85

$3.89

Worker characteristics

           

Management, professional, and related

9.89

0.9

35.13

0.9

9.93

5.95

    Management, business, and financial

19.18

0.8

42.48

0.8

20.23

6.04

    Professional and related

10.26

1.2

43.88

1.2

10.04

8.41

Service

20.70

1.1

72.79

1.1

18.26

10.27

    Protective service

56.34

1.3

208.52

1.3

57.55

48.34

Sales and office

6.18

0.5

28.20

0.5

6.03

5.03

    Sales and related

8.28

0.7

37.15

0.7

8.52

7.19

    Office and administrative support

7.32

0.6

38.92

0.6

7.09

5.79

Natural resources, construction, and maintenance

14.42

1.5

26.53

1.5

14.81

8.71

    Construction, extraction, farming, fishing, and
     forestry

19.46

2.2

30.17

2.2

23.15

14.20

    Installation, maintenance, and repair

18.93

1.5

51.55

1.5

17.91

9.68

Production, transportation, and material moving

10.38

1.1

24.05

1.1

10.44

6.80

    Production

13.99

1.4

28.14

1.4

15.20

8.17

    Transportation and material moving

15.17

1.6

40.75

1.6

13.38

9.54

Full time

6.23

0.5

17.64

0.5

5.94

3.96

Part time

17.55

1.6

67.55

1.6

15.96

13.40

Union

14.32

1.6

21.86

1.6

15.58

11.91

Nonunion

5.94

0.5

26.90

0.5

5.98

3.98

Wage percentiles:1

           

    Lowest 10 percent

31.56

2.2

116.10

2.2

27.65

19.04

    Lowest 25 percent

12.50

0.7

78.77

0.7

11.62

8.33

    Second 25 percent

8.64

0.6

33.09

0.6

8.64

7.77

    Third 25 percent

8.44

0.8

22.97

0.8

8.49

5.58

    Highest 25 percent

9.10

0.9

23.18

0.9

10.33

3.91

    Highest 10 percent

12.61

1.3

41.19

1.3

13.65

6.58

Establishment characteristics

           

Goods-producing industries

9.62

1.0

16.91

1.0

10.97

6.43

    Construction

16.78

2.2

20.51

2.2

20.37

13.38

    Manufacturing

12.03

1.1

24.10

1.1

12.76

6.53

Service-providing industries

6.35

0.5

25.41

0.5

5.85

4.37

    Trade, transportation, and utilities

7.07

0.8

41.36

0.8

6.89

6.27

        Wholesale trade

13.99

1.1

54.94

1.1

13.42

12.74

        Retail trade

8.44

1.1

41.54

1.1

8.53

7.40

        Transportation and warehousing

27.95

2.0

90.91

2.0

23.42

14.22

        Utilities

25.13

2.3

59.17

2.3

25.99

19.70

    Information

22.41

2.3

57.71

2.3

17.24

13.35

    Financial activities

8.41

1.0

27.31

1.0

8.71

7.33

        Finance and insurance

9.21

0.9

38.44

0.9

8.58

6.81

            Credit intermediation and related activities

10.30

1.0

49.90

1.0

10.75

8.69

            Insurance carriers and related activities

14.49

1.3

54.37

1.3

15.19

8.63

        Real estate and rental and leasing

29.53

3.7

60.95

3.7

27.32

20.52

    Professional and business services

20.25

1.4

73.84

1.4

20.02

9.08

        Professional and technical services

25.31

1.9

116.99

1.9

23.46

15.37

        Administrative and waste services

39.06

3.3

106.12

3.3

33.57

22.04

    Education and health services

16.38

1.2

68.84

1.2

14.67

11.87

        Educational services

19.82

1.8

77.75

1.8

18.84

15.01

            Junior colleges, colleges, and universities

23.48

1.0

76.72

1.0

23.72

10.43

        Health care and social assistance

19.08

1.4

76.86

1.4

17.29

14.82

    Leisure and hospitality

31.74

1.8

87.28

1.8

30.76

14.73

        Accommodation and food services

35.51

2.1

109.05

2.1

34.34

17.45

    Other services

45.93

3.5

164.50

3.5

32.71

18.47

1 to 99 workers

7.97

0.8

24.60

0.8

7.52

5.90

    1 to 49 workers

9.10

1.0

28.58

1.0

9.12

6.49

    50 to 99 workers

16.54

1.5

41.66

1.5

17.62

9.48

100 workers or more

8.40

0.5

26.00

0.5

8.12

4.34

    100 to 499 workers

9.87

0.6

21.84

0.6

10.88

7.83

    500 workers or more

12.69

0.6

50.92

0.6

11.95

5.69

Geographic areas

           

New England

15.31

1.8

24.44

1.8

16.41

12.15

Middle Atlantic

18.57

1.2

47.76

1.2

13.37

9.60

East North Central

13.23

1.3

22.81

1.3

14.45

9.36

West North Central

17.75

1.3

60.81

1.3

17.84

18.60

South Atlantic

14.74

1.0

59.16

1.0

13.50

6.38

East South Central

15.52

1.2

34.49

1.2

15.99

11.51

West South Central

13.82

0.9

90.40

0.9

13.26

14.24

Mountain

11.67

2.0

114.52

2.0

14.86

13.49

Pacific

18.42

1.7

28.98

1.7

20.92

8.91

Footnotes:

1The percentile groupings are based on the average wage for each occupation surveyed, which may include workers both above and below the
threshold. The percentile values are based on the estimates published in the "National Compensation Survey: Occupational Earnings in the United
States, 2008." See Technical Note for more details.

NOTE: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20082009.htm.