Nearly two-thirds of private industry workers had access to a retirement plan in March 2012, according to the Bureau of Labor Statistics, and 48 percent of workers with access to a plan chose to participate.

Having access to a retirement defined benefit pension or defined contribution plan through work depended on occupation, full- or part-time status, union membership and wage category, according to the BLS.

Those who worked in management, professional and related occupations had nearly twice the access rate and more than three times the participation rate of service occupations, like healthcare support, protective service, food preparation, maintenance and personal care workers.

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