Standard Errors
Financial benefits: Access

Table 41. Standard errors for financial benefits: Access, civilian workers,1 National Compensation Survey, March 2012

Characteristics

Health
savings
account

Section 125 cafeteria benefits

Pre-tax
savings with
no employer
contributions

Financial
planning

Stock options

Flexible
benefits

Dependent
care
reimburse-
ment
account

Healthcare
reimburse-
ment
account

Total

Perform-
ance

Signing

Other

All workers

0.7

0.6

0.7

0.7

0.6

0.5

0.3

0.2

0.2

0.2

Worker characteristics

                   

Management, professional, and related

1.0

1.0

1.0

1.1

1.0

0.9

0.5

0.3

0.3

0.5

    Management, business, and financial

1.5

1.3

1.4

1.5

1.1

1.4

1.0

0.7

0.4

0.9

    Professional and related

1.1

1.2

1.2

1.3

1.2

1.0

0.6

0.3

0.3

0.5

        Teachers

1.5

1.9

1.9

2.0

1.8

1.3

            Primary, secondary, and special education
             school teachers

1.7

2.3

2.3

2.4

2.3

1.7

        Registered nurses

2.8

3.2

3.1

3.1

2.4

2.2

0.8

0.1

Service

0.9

0.7

1.1

1.1

0.9

1.0

0.4

0.4

    Protective service

1.8

2.2

2.9

2.9

2.8

2.0

0.3

0.3

Sales and office

0.8

0.8

1.1

1.0

0.9

0.8

0.6

0.3

0.2

0.5

    Sales and related

1.1

0.7

1.4

1.3

1.2

1.3

0.7

0.2

0.2

0.7

    Office and administrative support

1.1

1.2

1.3

1.2

1.0

0.9

0.7

0.4

0.3

0.5

Natural resources, construction, and maintenance

1.2

1.0

1.3

1.4

1.2

1.0

0.8

0.3

0.6

    Construction, extraction, farming, fishing, and
     forestry

1.4

1.3

1.5

1.7

1.5

1.2

0.7

0.7

    Installation, maintenance, and repair

1.6

1.5

1.8

2.1

1.8

1.3

1.4

0.6

1.0

Production, transportation, and material moving

1.2

1.0

1.4

1.3

0.9

0.8

0.8

0.3

0.2

0.7

    Production

1.7

1.5

1.8

1.8

1.2

1.3

1.0

0.4

0.3

0.9

    Transportation and material moving

1.3

1.1

1.5

1.5

1.3

0.9

0.9

0.3

0.2

0.9

Full time

0.8

0.7

0.7

0.7

0.7

0.6

0.4

0.2

0.2

0.3

Part time

0.7

0.6

0.9

0.8

0.7

0.6

0.3

0.1

0.1

0.3

Union

1.2

1.3

1.3

1.1

1.2

1.0

0.7

0.4

0.5

0.6

Nonunion

0.7

0.6

0.7

0.8

0.6

0.6

0.3

0.2

0.1

0.3

Average wage within the following categories:2

                   

    Lowest 25 percent

0.6

0.5

1.0

0.9

0.8

0.8

0.4

0.1

0.1

0.4

        Lowest 10 percent

0.7

0.5

1.2

0.9

1.1

0.8

0.7

0.7

    Second 25 percent

1.0

0.9

1.0

1.1

0.8

0.9

0.5

0.3

0.3

0.4

    Third 25 percent

1.1

0.8

0.9

0.8

0.8

0.8

0.6

0.2

0.2

0.5

    Highest 25 percent

1.1

0.9

0.8

0.9

1.0

0.8

0.6

0.4

0.4

0.6

        Highest 10 percent

1.2

1.1

1.0

1.2

1.1

1.0

0.9

0.5

0.4

0.9

Establishment characteristics

                   

Goods-producing industries

1.2

1.1

1.3

1.3

1.0

1.1

0.8

0.4

0.2

0.7

Service-providing industries

0.7

0.7

0.7

0.8

0.6

0.6

0.3

0.2

0.2

0.3

    Education and health services

1.4

1.5

1.5

1.5

1.4

1.2

0.3

0.1

0.3

        Educational services

1.7

1.6

1.6

1.8

1.5

1.2

0.1

0.1

[3]

            Elementary and secondary schools

1.6

2.1

2.3

2.3

1.8

1.3

            Junior colleges, colleges, and universities

4.0

2.1

3.8

3.5

2.8

2.8

0.1

0.1

[3]

        Healthcare and social assistance

1.8

2.1

2.3

2.3

1.7

1.7

0.5

0.5

            Hospitals

2.1

3.1

2.6

2.5

2.3

2.5

0.5

0.2

0.5

    Public administration

1.8

2.1

2.3

2.2

2.2

2.4

1 to 99 workers

0.8

0.6

0.8

0.8

0.6

0.5

0.4

0.2

0.2

0.4

    1 to 49 workers

0.8

0.7

0.8

0.9

0.6

0.6

0.4

0.2

0.1

0.3

    50 to 99 workers

1.7

1.2

1.6

1.7

1.3

1.1

1.2

0.8

0.4

1.2

100 workers or more

0.9

0.9

0.9

0.9

0.8

0.7

0.5

0.3

0.3

0.4

    100 to 499 workers

1.1

1.0

1.3

1.2

1.1

1.2

0.6

0.4

0.2

0.5

    500 workers or more

1.3

1.2

1.1

1.0

1.3

1.1

0.8

0.4

0.5

0.7

Geographic areas

                   

New England

1.3

2.8

1.6

1.8

1.4

1.6

0.4

0.3

0.1

0.4

Middle Atlantic

2.1

1.8

1.1

1.8

1.4

0.7

1.0

0.4

0.6

0.7

East North Central

1.5

1.5

1.7

1.7

1.5

1.5

0.7

0.5

0.2

0.6

West North Central

2.4

1.8

3.0

2.4

2.0

1.5

0.5

0.5

0.2

0.4

South Atlantic

1.5

1.6

1.6

1.5

1.7

1.4

0.8

0.4

0.3

0.8

East South Central

4.3

2.4

2.1

3.4

3.2

2.6

1.8

1.3

0.8

1.5

West South Central

1.8

1.6

1.9

1.8

1.3

2.1

0.8

0.5

0.5

Mountain

1.6

2.8

3.6

3.7

2.1

1.4

1.0

0.2

0.2

1.0

Pacific

2.3

0.9

1.6

1.2

0.8

1.7

0.6

0.3

0.5

0.3

1Includes workers in the private nonfarm economy except those in private households, and
workers in the public sector, except the federal government. See Technical Note for further
explanation.

3Less than 0.05.

2The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are
based on the estimates published in the "National Compensation Survey: Occupational Earnings
in the United States, 2010." See Technical Note for more details.


NOTE: Dash indicates no workers in this category or data did 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/glossary20112012.htm.