Employment-Based Retirement Plan Participation: Geographic Differences and Trends, 2004

36 Pages Posted: 16 Nov 2005

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 2005 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 2004 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 2004, trends from 1987-2004 in employment-based retirement plan participation are presented across the same worker characteristics and those of their employers as used for 2004. The paper concludes with a discussion of its 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, 2004. EBRI Issue Brief, No. 286, October 2005, Available at SSRN: https://ssrn.com/abstract=849365

Craig Copeland (Contact Author)

Employee Benefit Research Institute (EBRI) ( email )

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