The BLS has data on benefits offered by employers. They break down the insurance benefits offered by employers for private jobs.
58% of all private employees have access to life insurance coverage through work.
56% of employees participate in the insurance plans.
5% of employees have a contribution requirement for their benefit.
The method of benefit for the insurance plans are :
| Fixed multiple of annual earnings | 59% |
| variable multiple of annual earnings | 2% |
| flat dollar | 36% |
| variable dollar | 2% |
| other | 1% |
Broken down various other ways the % of employees with access to life insurance for various groups are :
| access | participation | take up rate | |
| size of business | |||
| 1 to 49 | 37% | 35% | 95% |
| 50 to 99 | 55% | 53% | 97% |
| 100 to 499 | 70% | 67% | 96% |
| 500 plus | 86% | 84% | 99% |
| full time | 73% | 71% | 97% |
| part time | 14% | 13% | 91% |
| union | 83% | 81% | 98% |
| nonunion | 55% | 53% | 96% |
| Average wages | |||
| lowest 10% | 25% | 22% | 91% |
| lowest 25% | 13% | 12% | 90% |
| second 25% | 61% | 59% | 95% |
| third 25% | 71% | 69% | 97% |
| highest 25% | 81% | 80% | 99% |
| highest 10% | 85% | 84% | 99% |
| Industries | |||
| Construction | 46% | 44% | |
| manufacturing | 81% | 80% | |
| retail trade | 47% | 42% | |
| utilities | 92% | 92% | |
| finance and insurance | 87% | 78% | |
| colleges | 86% | 85% | |
| leisure / hospitality | 21% | 19% | |
| prof tech services | 71% | 71% |
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