Employment-Based Retirement Plan Participation: Geographic Differences and Trends, 2005

36 Pages Posted: 6 Nov 2006

See all articles by Craig Copeland

Craig Copeland

Employee Benefit Research Institute (EBRI)

Abstract

This paper examines the level of participation by workers in public- and private-sector employment-based pension or retirement plans, based on the U.S. Census Bureau's March 2006 Current Population Survey (CPS), the most recent data currently available. It begins with an overview of retirement plan types and participation in these types of plans. Next, it describes the data used in this study, along with their relative strengths and weaknesses. From these data, results on participation in employment-based retirement plans are analyzed for 2005 across various worker characteristics and those of their employers. The paper then explores retirement plan participation across U.S. geographic regions, including a state-by-state comparison and a comparison of certain consolidated statistical areas (CSAs). In addition to the results for 2005, trends from 1987-2005 in employment-based retirement plan participation are presented across the same worker and employer characteristics as used for 2005. The paper concludes with a discussion of this study's findings.

Keywords: Demographics, Employment-based benefits, Pension plan coverage, Pension plan participation

JEL Classification: J33

Suggested Citation

Copeland, Craig, Employment-Based Retirement Plan Participation: Geographic Differences and Trends, 2005. EBRI Issue Brief, No. 299, November 2006, Available at SSRN: https://ssrn.com/abstract=942791

Craig Copeland (Contact Author)

Employee Benefit Research Institute (EBRI) ( email )

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