Table 1. How access, participation, and matching are defined and counted

Shares are of the working population (147.3M). † 91.7% of workers with employer-provided access whose plan type is observed. ‡ 81.0% of participants.

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Variable names, universes, and question wording follow the SIPP Data Dictionary; counts are weighted (WPFINWGT) to the December 2024 reference month.

Source: U.S. Census Bureau, Survey of Income and Program Participation, 2025 release (pooled 2022–2025 panels), December 2024 reference month; EIG analysis.