Table 31. Defined benefit plans: Primary formula, private industry workers, National Compensation Survey, 2010 (All workers participating in defined benefit plans = 100 percent) Traditional plan formula Non-traditional plan formula Non- Characteristics Total Traditio- Percent Percent traditio- nal of Percent Dollar of nal Cash Pension terminal of career amount employer balance equity Other earnings earnings contribu- tion Worker characteristic All workers............................. 100 64 32 11 18 3 36 31 5 – Management, professional, and related... 100 50 34 11 – – 50 42 – – Management, business, and financial... 100 52 35 – – – 48 40 – – Professional and related.............. 100 48 34 10 – – 52 44 – – Service................................. 100 – 52 – – – – – – – Sales and office........................ 100 59 30 – 15 – 41 40 – – Sales and related..................... 100 59 28 – – – 41 38 – – Office and administrative support..... 100 58 31 14 – – 42 41 – – Natural resources, construction, and maintenance............................. 100 75 24 – 31 – 25 – – – Construction, extraction, farming, fishing, and forestry................. 100 – – – 42 – – – – – Production, transportation, and material moving.................................. 100 86 25 – 42 – 14 10 – – Transportation and material moving.... 100 – 21 25 43 – – – – – Full time............................... 100 63 33 11 16 3 37 31 6 – Part time............................... 100 77 25 – 38 – 23 23 – – Union................................... 100 84 22 10 45 7 16 11 – – Nonunion................................ 100 54 38 12 – – 46 41 – – Average wage within the following categories:(1) Lowest 25 percent..................... 100 72 21 – 42 – 28 – – – Second 25 percent..................... 100 68 33 – 23 – 32 30 – – Third 25 percent...................... 100 73 36 12 21 4 27 23 – – Highest 25 percent.................... 100 57 31 12 – – 43 36 7 – Highest 10 percent.................. 100 52 33 – 7 – 48 37 11 – Establishment characteristic Goods-producing industries.............. 100 78 27 – 40 – 22 19 – – Construction.......................... 100 – – – 46 – – – – – Manufacturing......................... 100 78 29 – 42 – 22 21 – – Service-providing industries............ 100 60 34 13 – – 40 34 6 – Trade, transportation, and utilities.. 100 84 35 – 32 – 16 9 – – Information........................... 100 – – – – – – 66 – – Financial activities.................. 100 37 27 10 – – 63 62 – – Finance and insurance............... 100 35 25 11 – – 65 63 – – Credit intermediation and related activities........................ 100 19 – – – – 81 79 – – Insurance carriers and related activities........................ 100 62 47 – – – 38 38 – – Professional and business services.... 100 63 39 – – – 37 27 – – Education and health services......... 100 58 42 – – – 42 – – – Educational services................ 100 – – 56 – – – – – – Junior colleges, colleges, and universities...................... 100 – 28 55 – – – – – – Health care and social assistance... 100 54 43 – – – 46 44 – – 1 to 99 workers......................... 100 67 38 – – – 33 30 – – 1 to 49 workers....................... 100 63 – – – – 37 36 – – 50 to 99 workers...................... 100 – 39 – – – – – – – 100 workers or more..................... 100 64 30 – 20 – 36 31 6 – 100 to 499 workers.................... 100 76 29 – 32 – 24 20 – – 500 workers or more................... 100 57 31 – 13 – 43 37 7 – Geographic area New England............................. 100 50 – 13 – – 50 40 – – Middle Atlantic......................... 100 67 – 16 – – 33 25 – – East North Central...................... 100 63 22 – 27 – 37 – – – West North Central...................... 100 69 35 – 14 – 31 30 – – South Atlantic.......................... 100 64 36 – 21 – 36 34 – – West South Central...................... 100 77 56 – – – 23 21 – – Mountain................................ 100 54 42 – – – 46 43 – – Pacific................................. 100 – 39 14 – – – – – – 1 The 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, 2009." See Technical Note for more details. NOTE: Because of rounding, sums of individual items may not equal totals. 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/glossary20102011.htm.