An EBRI study found that 57% of women and 53.7% of men participated in employer-based defined benefit and defined contribution plans in 2005, down by about two percentage points each from 2004.
Fifty-eight percent of all employees ages 21-64 worked for employers or unions that sponsored retirement plans in 2005, according to the Employee Benefit Research Institute study. Of those, almost half — 47% — participated in retirement plans in 2005, down from 48.3% a year earlier. And 55% of all full-time workers participated in retirement plans in 2005, down from almost 57% a year earlier.
EBRI used 2005 U.S. Census Bureau data for the study.