HR Administration

Study Hispanics Lag on Plan Participation

By Staff Report

Oct. 14, 2010

About half of white workers in the U.S.— 49.4 percent —participated in an employer-based retirement plan in 2009 compared with 41.6 percent of black workers and 26.7 percent of Hispanic workers, according to a new study.

The Employee Benefit Research Institute study, Employment-Based Retirement Plan Participation: Geographic Differences and Trends, 2009, also found that 70 percent of black and white workers with annual earnings of at least $50,000 participated in a plan, but only 57 percent of Hispanic workers at the same earning level did so.

Also, the percentage of U.S.-born Hispanic workers participating in a plan was twice as high as the rate of Hispanic workers born outside the U.S., 40 percent to 20 percent, respectively.

“What this shows is that plan participation levels between the races vary because of income and cultural differences,” said Craig Copeland, senior research associate at the institute and the study’s author, in an interview. “However, as income increases, these differences appear to go away between black and white workers but not with Hispanics.”

The study used U.S. Census Bureau data.   

Filed by Doug Halonen of Pensions & Investments, a sister publication of Workforce Management. To comment, e-mail


Stay informed and connected. Get human resources news and HR features via Workforce Management’s Twitter feed or RSS feeds for mobile devices and news readers.


What’s New at

blog workforce

Come see what we’re building in the world of predictive employee scheduling, superior labor insights and next-gen employee apps. We’re on a mission to automate workforce management for hourly employees and bring productivity, optimization and engagement to the frontline.

Book a call
See the software

Related Articles

workforce blog


Minimum Wage by State in 2023 – All You Need to Know

Summary Twenty-three states and D.C. raised their minimum wage rates in 2023, effective January 1.  Thr...

federal law, minimum wage, pay rates, state law, wage law compliance

workforce blog

HR Administration

Is your employee attendance policy and procedure fit for purpose?

Summary: Lateness and absenteeism are early warning signs of a deteriorating attendance policy. — More ...

compliance, HR technology, human resources

workforce blog

HR Administration

Clawback provisions: A safety net against employee fraud losses

Summary Clawback provisions are usually included as clauses in employee contracts and are used to recou...

clawback provisions, human resources, policy