Table 31. Standard errors for savings and thrift plans: Method of distribution of retirement benefits, private industry workers, National Compensation Survey, 2009 Method of distribution Characteristics Inst- Not Lump Annu- allm- Othe- dete- sum ity ents r(1) rmin- able Worker characteristic All workers.............. 1.1 1.4 1.7 1.0 1.1 Management, professional, and related.............. 1.6 2.0 2.5 1.2 1.7 Management, business, and financial.......... 2.2 2.6 3.0 1.2 2.2 Professional and related................ 2.1 2.4 3.3 1.3 2.2 Service.................. 2.3 4.1 4.9 – 2.3 Sales and office......... 1.3 1.9 3.1 1.9 1.3 Sales and related...... 1.6 2.5 4.4 4.1 1.6 Office and administrative support 1.8 2.4 3.7 1.5 1.7 Natural resources, construction, and maintenance.............. 5.1 3.9 4.5 3.2 5.0 Construction, extraction, farming, fishing, and forestry.. 9.4 – 6.4 – 9.4 Installation, maintenance, and repair 5.5 5.6 5.8 2.7 5.5 Production, transportation, and material moving.......... 2.6 – 3.8 2.7 2.6 Production............. 3.2 – 5.1 3.3 3.2 Transportation and material moving........ 4.0 – – – 4.0 Full time................ 1.1 1.4 1.7 1.1 1.1 Part time................ 1.5 4.6 4.9 2.1 1.3 Union.................... 2.3 4.6 5.0 – 2.2 Nonunion................. 1.1 1.4 1.8 1.1 1.1 Average wage within the following categories:(2) Lowest 25 percent...... 3.5 3.4 3.9 2.8 3.5 Lowest 10 percent.... 2.3 – 5.9 – 2.0 Second 25 percent...... 1.5 1.8 2.4 1.7 1.5 Third 25 percent....... 1.5 1.9 2.6 1.5 1.5 Highest 25 percent..... 1.9 1.9 2.5 1.4 2.0 Highest 10 percent... 2.1 2.0 2.6 1.6 2.2 Establishment characteristic Goods-producing industries............... 2.6 1.6 3.3 3.4 2.6 Construction........... 8.5 – 6.7 – 8.5 Manufacturing.......... 2.7 – 4.0 4.1 2.7 Service-providing industries............... 1.1 1.6 2.1 1.0 1.1 Trade, transportation, and utilities.......... 2.1 2.5 3.0 2.0 2.1 Wholesale trade...... 3.5 – 3.5 – 3.5 Retail trade......... 2.9 3.3 4.0 3.7 2.9 Transportation and warehousing.......... 6.6 – – – 6.6 Information............ 3.4 7.7 6.7 – 3.4 Financial activities... 2.7 3.5 2.6 2.3 2.7 Finance and insurance 1.8 3.6 2.8 2.5 1.8 Credit intermediation and related activities 2.6 3.0 4.6 4.6 2.6 Insurance carriers and related activities......... 3.6 7.2 4.7 3.1 3.6 Professional and business services...... 4.0 5.5 6.7 – 4.0 Professional and technical services... 6.0 7.8 – – 6.0 Education and health services............... 2.5 3.2 4.4 – 2.3 Educational services 6.1 6.4 4.1 – 3.0 Junior colleges, colleges, and universities....... 4.3 5.0 4.0 – 4.0 Health care and social assistance.... 2.8 3.5 5.0 – 2.7 1 to 99 workers.......... 1.8 2.5 3.3 1.8 1.8 1 to 49 workers........ 2.9 3.6 4.4 2.4 2.9 50 to 99 workers....... 3.4 2.0 4.6 – 3.4 100 workers or more...... 1.4 2.0 1.9 1.2 1.3 100 to 499 workers..... 1.8 3.1 2.4 1.4 1.9 500 workers or more.... 1.9 2.4 2.9 2.3 1.9 Geographic area New England.............. 4.0 – 4.1 1.2 4.0 Middle Atlantic.......... 2.8 3.2 4.7 – 2.4 East North Central....... 3.1 3.5 4.9 2.7 3.1 West North Central....... 4.0 – 5.7 – 3.8 South Atlantic........... 2.6 2.7 3.9 1.8 2.8 East South Central....... 2.1 – 6.0 – 2.1 West South Central....... 2.3 4.5 3.0 4.4 2.3 Mountain................. 2.6 – 5.2 3.7 2.6 Pacific.................. 1.0 4.7 5.7 – 1.0 1 Includes methods of distribution not calulated separately (e.g., employer stock). 2 The categories are based on the average wage for each occupation surveyed, which may include workers 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, 2008." See Technical Note for more details. NOTE: Dashes indicate that no data were reported or that data do 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/glossary20092010.htm.