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

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 2012

Characteristics

Average
flat monthly
employer
premium

Employee contribution not
required

Employee contribution required

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

$7.74

0.5

$21.49

0.5

$6.93

$5.47

Worker characteristics

           

Management, professional, and related

11.81

0.7

38.14

0.7

10.96

5.57

    Management, business, and financial

15.08

0.9

56.61

0.9

15.50

8.43

    Professional and related

14.01

1.0

47.13

1.0

12.93

7.33

Service

29.07

2.0

86.32

2.0

20.50

35.70

    Protective service

43.53

1.8

176.66

1.8

45.46

187.13

Sales and office

8.85

0.6

38.65

0.6

8.62

6.95

    Sales and related

14.34

0.8

97.33

0.8

12.88

13.25

    Office and administrative support

11.04

0.7

41.79

0.7

11.46

7.96

Natural resources, construction, and maintenance

18.76

1.6

45.15

1.6

19.00

12.13

    Construction, extraction, farming, fishing, and
     forestry

31.70

2.7

38.49

2.7

42.16

20.80

    Installation, maintenance, and repair

24.81

1.9

96.29

1.9

21.36

13.34

Production, transportation, and material moving

11.78

0.9

25.90

0.9

12.79

8.77

    Production

15.12

1.0

34.46

1.0

15.87

10.17

    Transportation and material moving

20.22

1.6

30.68

1.6

22.87

15.33

Full time

7.69

0.6

21.49

0.6

7.03

5.66

Part time

21.40

1.5

60.87

1.5

22.39

21.88

Union

21.93

2.3

32.33

2.3

20.66

14.07

Nonunion

7.22

0.4

29.97

0.4

7.10

6.14

Average wage within the following categories:1

           

    Lowest 25 percent

16.86

1.0

120.24

1.0

13.92

31.78

        Lowest 10 percent

32.29

1.9

198.65

1.9

25.19

76.06

    Second 25 percent

11.76

0.8

38.42

0.8

11.74

8.15

    Third 25 percent

11.07

0.9

23.49

0.9

10.63

5.69

    Highest 25 percent

9.85

0.8

30.21

0.8

8.87

5.10

        Highest 10 percent

14.48

1.2

48.96

1.2

11.24

6.15

Establishment characteristics

           

Goods-producing industries

10.42

1.0

26.60

1.0

11.28

7.95

    Construction

24.71

2.5

50.53

2.5

31.79

16.55

    Manufacturing

12.11

0.9

27.80

0.9

12.41

9.03

Service-providing industries

9.70

0.6

29.97

0.6

8.21

6.64

    Trade, transportation, and utilities

15.86

0.7

36.51

0.7

15.13

9.58

        Wholesale trade

30.16

1.2

41.88

1.2

33.38

14.76

        Retail trade

16.09

1.2

89.51

1.2

13.74

11.13

        Transportation and warehousing

32.29

2.5

50.81

2.5

34.57

19.69

        Utilities

26.40

2.9

61.63

2.9

27.74

15.98

    Information

34.41

3.0

56.36

3.0

22.42

12.90

    Financial activities

12.36

0.9

52.22

0.9

11.52

8.66

        Finance and insurance

9.59

0.5

61.59

0.5

9.65

6.38

            Credit intermediation and related activities

12.79

0.7

98.62

0.7

13.65

8.58

            Insurance carriers and related activities

20.89

1.0

140.61

1.0

20.84

11.27

        Real estate and rental and leasing

57.63

    Professional and business services

22.10

1.8

63.39

1.8

20.27

11.39

        Professional and technical services

34.84

2.1

101.26

2.1

32.50

16.23

        Administrative and waste services

54.16

    Education and health services

18.38

1.0

56.07

1.0

18.45

11.25

        Educational services

17.18

1.4

116.53

1.4

18.06

13.50

            Junior colleges, colleges, and universities

13.16

        Healthcare and social assistance

21.57

1.2

60.44

1.2

21.69

13.95

    Leisure and hospitality

33.61

2.9

125.20

2.9

25.33

78.82

        Accommodation and food services

40.29

    Other services

36.16

3.3

123.58

3.3

35.88

26.85

1 to 99 workers

12.26

0.8

37.51

0.8

10.42

7.54

    1 to 49 workers

12.82

1.0

37.00

1.0

11.91

9.31

    50 to 99 workers

22.31

1.2

88.51

1.2

20.59

11.57

100 workers or more

7.64

0.5

22.46

0.5

7.60

8.03

    100 to 499 workers

10.72

0.7

47.46

0.7

11.31

13.34

    500 workers or more

8.62

1.0

19.74

1.0

8.63

6.68

Geographic areas

           

New England

20.65

1.0

87.28

1.0

24.05

9.96

Middle Atlantic

27.14

2.4

39.48

2.4

24.00

8.42

East North Central

19.66

1.3

37.95

1.3

17.42

6.23

West North Central

22.69

1.5

39.86

1.5

25.82

15.70

South Atlantic

12.46

0.8

93.48

0.8

12.59

15.27

East South Central

25.84

1.9

102.63

1.9

25.73

25.19

West South Central

26.88

0.9

133.59

0.9

22.54

27.75

Mountain

24.88

2.2

122.20

2.2

22.43

23.11

Pacific

17.50

1.3

34.98

1.3

17.32

12.20

1The 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.