Employee Benefits Survey

Basic provisions — Health Back to Top Back to Top

Medical care benefits: Plan type
Table includes percent of workers enrolled in medical plans by fee-for-service or health maintenance organization plan type.

Medical care benefits: Plan characteristics
Table includes percent of workers in plans that include plan networks, allow non-emergency services outside a network, and require approval for specialty services from a primary care physician.

Medical care benefits: Summary of high deductible and consumer-driven health plans
Table includes percent of workers in plans in high deductible and non-high deductible plans, consumer-driven and non-consumer-driven plans, and the percent of workers in consumer-driven plans with a high deductible component.

Non-high deductible health plans: Amount of annual individual deductible
Table includes percent of workers enrolled in non-high deductible plans that require an annual individual deductible and the annual deductible amount by selected percentiles.

Fee-for-service plans: Summary of selected features
Table includes percent of workers enrolled in fee-for-service plans with an annual deductible, coinsurance, and an annual out-of-pocket maximum.

Fee-for-service plans: Type and amount of annual individual deductible
Table includes percent of workers enrolled in fee-for-service medical plans with: fixed, variable, other, and no annual deductible; and the median deductible amount for fixed deductible plans and variable deductible amounts for services received in-network, out-of-network, and by a point-of-service provider.

Fee-for-service plans: Amount of annual individual deductible
Table includes percent of workers enrolled in fee-for-service medical plans that require an annual individual deductible and the annual deductible amount by selected percentiles.

Fee-for-service plans: Type and amount of annual family deductible
Table includes percent of workers enrolled in fee-for-service medical plans with fixed, variable, other, and no annual deductibles for families; and the median deductible amount for fixed deductible plans and variable deductible amounts for services received in-network, out-of-network, and by a point-of-service provider.

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Fee-for-service plans: Amount of annual family deductible
Table includes percent of workers enrolled in fee-for-service medical plans that require an annual family deductible and the annual deductible amount by selected percentiles.

Fee-for-service plans: Coinsurance percentage
Table includes percent of workers enrolled in fee-for-service medical plans that require fixed and variable coinsurance; and the median coinsurance percentage for fixed coinsurance plans, and variable coinsurance percentages for services received in-network, out-of-network, and by a point-of-service provider.

Fee-for-service plans: Amount of annual individual out-of-pocket maximum
Table includes percent of workers enrolled in fee-for-service medical plans that limit the annual amount of individual out-of-pocket expenses the enrollee must pay and the out-of-pocket maximum amount by selected percentiles.

Fee-for-service plans: Amount of annual family out-of-pocket maximum
Table includes percent of workers enrolled in fee-for-service medical plans that limit the annual amount of family out-of-pocket expenses the enrollee must pay and the out-of-pocket maximum amount by selected percentiles.

Health maintenance organizations: Summary of selected features
Table includes percent of workers enrolled in health maintenance organizations with an annual deductible, coinsurance, and an annual out-of-pocket maximum.

Health maintenance organizations: Amount of annual individual out-of-pocket maximum
Table includes percent of workers enrolled in health maintenance organizations that limit the annual amount of individual out-of-pocket expenses the enrollee must pay and the out-of-pocket amount by selected percentiles.

Health maintenance organizations: Amount of annual family out-of-pocket maximum
Table includes percent of workers enrolled in health maintenance organizations that limit the annual amount of family out-of-pocket expenses the enrollee must pay and the out-of-pocket amount by selected percentiles.

High deductible health plans: Amount of annual individual deductible
Table includes percent of workers enrolled in high deductible health plans that require an annual individual deductible and the annual deductible amount by selected percentiles.

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Consumer-driven health plans: Amount of annual individual deductible
Table includes percent of workers enrolled in consumer-driven health plans that require an annual individual deductible and the annual deductible amount by selected percentiles.

Outpatient prescription drug benefits: Type of coverage
Table includes percent of workers enrolled in outpatient prescription drug plans that provide coverage for brand-name drugs, generic drugs, mail order drugs, and higher reimbursement for formulary drugs. Formulary drugs are drugs approved by the healthcare provider. Drugs not approved by the healthcare provider are non-formulary drugs, for which enrollees receive less generous benefits, such as a higher per-prescription copayment.

Outpatient prescription drug benefits: Copayment provisions
Table includes percent of workers enrolled in outpatient prescription drug plans that require a copayment for generic drugs and brand-name drugs, and the median copayment amount per prescription.

Basic provisions – Retirement

Defined contribution plans: Type of plan
Table includes percent of workers participating in savings and thrift, deferred profit sharing, employee stock ownership, money purchase pension, simplified employee pension (SEP), savings incentive match plan (SIMPLE), and other types of plans.

Defined contribution plans: Method of contribution and availability of annuity
Table includes percent of workers in plans with pre-tax contribution and Roth 401(k) (post-tax) contribution and plans with an annuity available.

Savings and thrift plans: Summary of provisions
Table includes percent of workers participating in plans with pre-tax contribution, Roth 401(k) (post-tax) contribution, annuity available, automatic enrollment provision, automatic escalation feature, and employee choice of investment for employee and employer funds.

Savings and thrift plans: Automatic enrollment
Table includes percent of workers participating in plans with automatic enrollment available; with automatic enrollment as a percent of earnings and the default contribution as a percent of earnings by selected percentiles; and with no automatic enrollment available.

Savings and thrift plans: Default enrollment amount as a percent of the employee maximum amount matched by employer
Table includes percent of workers participating in plans with automatic enrollment available; with default enrollment amount as a percent of the employee maximum amount matched by employer by selected percentiles; and with no automatic enrollment available.

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Savings and thrift plans: Maximum employee contributions
Table includes percent of workers participating in plans with a maximum employee contribution based on a percent of earnings (up to the Internal Revenue Code limit) and the maximum percent of earnings amount by selected percentiles; a contribution of any amount up to the Internal Revenue Code limit; and plans with other maximum criteria.

Savings and thrift plans: Maximum employee contribution matched by employer
Table includes percent of workers participating in plans with a specified matching percent and the maximum employee contribution matched by employer by selected percentiles; and plans with other matching criteria.

Savings and thrift plans: Method of employer matching contributions
Table includes percent of workers with a specified matching percent and the specified matching percent by selected percentiles, and other matching methods specified by the employer.

Savings and thrift plans: Maximum potential employer contribution
Table includes the maximum potential employer contribution by selected percentiles.

Defined benefit plans: Eligibility requirements
Table includes percent of workers participating in plans open to new employees, with minimum age or service requirement, median age requirement, and median service requirement (in months); and plans not open to new employees.

Defined benefit plans: Plan sponsor
Table includes percent of workers participating in plans sponsored by a single employer, multiple employers, or other sponsor.

Defined benefit plans: Primary formula
Table includes percent of workers participating in plans with traditional formulas, including percent of terminal earnings, percent of career earnings, dollar amount, and percent of employer contribution; and non-traditional formulas, including cash balance, pension equity, and other formulas.

Additional provisions - Defined benefit plans

Defined benefit plans: Summary of plan provisions
Table includes percent of workers in plans with benefits subject to a maximum and with disability retirement benefits available.

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Defined benefit plans: Availability of selected benefit features
Table includes percent of workers participating in traditional and non-traditional plans with a lump sum feature at normal retirement, availability of disability retirement, a joint-and-survivor feature, and a preretirement survivor benefit.

Defined benefit plans: Maximum benefit provisions
Table includes percent of workers enrolled in plans that are subject to maximum years of credited service and the maximum years of credited service by selected percentiles.

Defined benefit plans: Vesting requirements
Table includes percent of workers participating in plans with immediate full vesting, graded vesting, cliff vesting, and the mean and median years required for cliff vesting.

Traditional defined benefit plans: Terminal earnings formulas
Table includes percent of workers participating in plans with terminal earnings formulas determined by both a flat percent and a varied percent per year of service and the flat percent per year of service by selected percentiles.

Traditional defined benefit plans: Definition of terminal earnings
Table includes percent of workers participating in plans with terminal earnings formulas determined by the highest and highest consecutive three and five years of service.

Traditional defined benefit plans: Availability of lump sum benefits at retirement
Table includes percent of workers participating in plans with a lump sum feature and the type of lump sum, either full or partial with reduced annuity, available at retirement.

Traditional defined benefit plans: Disability retirement benefits
Table includes percent of workers participating in plans with a disability retirement feature and whether the disability retirement begins immediately or is deferred.

Traditional defined benefit plans: Postretirement survivor benefits
Table includes percent of workers participating in plans with a joint-and-survivor annuity feature and the selected annuity percentages available.

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Last Modified Date: August 24, 2011

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