Standard Errors
Life insurance plans: Employee contribution requirement

Table 17. Standard errors for life insurance plans: Employee
contribution requirement, private industry workers,  National
Compensation Survey, March 2013

Characteristics

Employee
contribution
required

Employee
contribution not
required

All workers

0.4

0.4

Worker characteristics

   

Management, professional, and related

0.4

0.4

    Management, business, and financial

0.7

0.7

    Professional and related

0.5

0.5

Service

1.2

1.2

Sales and office

0.7

0.7

    Sales and related

1.0

1.0

    Office and administrative support

0.8

0.8

Natural resources, construction, and maintenance

1.2

1.2

    Construction, extraction, farming, fishing, and
     forestry

1.7

1.7

    Installation, maintenance, and repair

1.6

1.6

Production, transportation, and material moving

0.7

0.7

    Production

1.0

1.0

    Transportation and material moving

0.8

0.8

Full time

0.4

0.4

Part time

1.1

1.1

Union

0.5

0.5

Nonunion

0.4

0.4

Average wage within the following categories:1

   

    Lowest 25 percent

1.1

1.1

        Lowest 10 percent

1.3

1.3

    Second 25 percent

0.7

0.7

    Third 25 percent

0.6

0.6

    Highest 25 percent

0.4

0.4

        Highest 10 percent

0.6

0.6

Establishment characteristics

   

Goods-producing industries

0.6

0.6

    Construction

1.7

1.7

    Manufacturing

0.7

0.7

Service-providing industries

0.5

0.5

    Trade, transportation, and utilities

0.9

0.9

        Wholesale trade

2.1

2.1

        Retail trade

1.1

1.1

    Financial activities

0.7

0.7

        Finance and insurance

0.8

0.8

            Credit intermediation and related activities

1.3

1.3

            Insurance carriers and related activities

1.0

1.0

        Real estate and rental and leasing

2.0

2.0

    Professional and business services

1.0

1.0

        Professional and technical services

0.9

0.9

        Administrative and waste services

2.3

2.3

    Education and health services

0.7

0.7

        Educational services

1.0

1.0

            Junior colleges, colleges, and universities

1.1

1.1

        Healthcare and social assistance

0.8

0.8

    Leisure and hospitality

2.7

2.7

1 to 99 workers

0.8

0.8

    1 to 49 workers

1.1

1.1

    50 to 99 workers

1.3

1.3

100 workers or more

0.4

0.4

    100 to 499 workers

0.6

0.6

    500 workers or more

0.4

0.4

Geographic areas

   

New England

0.5

0.5

Middle Atlantic

1.0

1.0

East North Central

0.9

0.9

West North Central

1.0

1.0

South Atlantic

0.9

0.9

East South Central

1.9

1.9

West South Central

1.5

1.5

Mountain

1.9

1.9

Pacific

1.0

1.0

1Surveyed occupations are classified into
wage categories based on the average wage for
the occupation, which may include workers with
earnings both above and below the threshold. 
The categories were formed using percentile
estimates generated using data from the
National Compensation Survey publication,
"Empl oyer Costs for Employee Compensation -
March 2013."


NOTE: For definitions of major plans, key
provisions, and related terms, see the "Glossary
of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20122013.htm.