If you work in certain industries, the odds are not in yourfavor to be able to participate in an employer-sponsored retirement plan.

In fact, in those “lower-hour industries,” not only do workershave less access to plans but, if they have retirement savings,have smaller amounts set by.

That’s among the findings in a new chartbook from The Pew Charitable Trusts, which also reportedthat racial minorities and millennials were less likely to achievea secure retirement because both groups tend to work more inlower-hour industries.

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Workers in lower-hour industries—defined by the chartbook as“those in which part-time work is more prevalent, such as retailtrade; arts, entertainment, and recreation; and hospitality andfood service”—are not only less likely to receive health insurance and paid time off butalso, “notably, access to employer-sponsored retirement plans.”

And that makes a big difference. While the chartbook said thatmore than a third of full-time American workers lack access to401(k) or 403(b) plans, among workers in lower-hour industries theparticipation rate is fewer than 3 out of 10, due to lack of accessand barriers to taking advantage of whatever plan they might beoffered.

Eligibility rules keep them out, many report, and the problemisn’t only that of part-time workers. Full-time workers inlower-hour industries also have significantly lower access ratesthan their counterparts in higher-hour industries (39 and 29percent, respectively).

And their account balances are lower, too, “possibly because ofplan eligibility rules and less disposable income.” Even whenworkers have access, they have lower participation rates—anotherthreat to a decent retirement savings balance.

Part-timers, by the way, whether in lower-hour or higher-hourindustries, have nearly identical rates of access.

And about those lower balances: “Among all workers,” thechartbook said, “those in higher-hour industries have medianaccount balances that are more than $5,000 greater than the medianfor lower-hour industry workers.”