Employment-based retirement plan participation: geographic differences and trends, 2010

LATEST DATA: This Issue Brief examines the level of participation by workers in public- and private-sector employment-based pension or retirement plans, based on the U.S. Census Bureau's March 2011 Current Population Survey (CPS), the most recent data currently available (for year-end 2010). SPONSORSHIP RATE: Among all working-age (21-64) wage and salary employees, 54.2 percent worked for an employer or union that sponsored a retirement plan in 2010. Among full-time, full-year wage and salary workers ages 21-64 (those with the strongest connection to the work force), 61.6 percent worked for an employer or union that sponsors a plan. PARTICIPATION LEVEL: Among full-time, full-year wage and salary workers ages 21-64, 54.5 percent participated in a retirement plan. TREND: This is virtually unchanged from 54.4 percent in 2009. Participation trends increased significantly in the late 1990s, and decreased in 2001 and 2002. In 2003 and 2004, the participation trend flattened out. The retirement plan participation level subsequently declined in 2005 and 2006, before a significant increase in 2007. Slight declines occurred in 2008 and 2009, followed by a flattening out of the trend in 2010. AGE: Participation increased with age (61.4 percent for wage and salary workers ages 55-64, compared with 29.2 percent for those ages 21-24). GENDER: Among wage and salary workers ages 21-64, men had a higher participation level than women, but among full-time, full-year workers, women had a higher percentage participating than men (55.5 percent for women, compared with 53.8 percent for men). Female workers' lower probability of participation among wage and salary workers results from their overall lower earnings and lower rates of full-time work in comparison with males. RACE: Hispanic wage and salary workers were significantly less likely than both white and black workers to participate in a retirement plan. The gap between the percentages of black and white plan participants that exists overall narrows when compared across earnings levels. GEOGRAPHIC DIFFERENCES: Wage and salary workers in the South and West had the lowest participation levels (Florida had the lowest percentage, at 43.7 percent) while the upper Midwest, Mid-Atlantic, and Northeast had the highest levels (West Virginia had the highest participation level, at 64.2 percent). OTHER FACTORS: White, more highly educated, higher-income, and married workers are more likely to participate than their counterparts.     

Collective Action as the Material Expression of Opinion-Based Group Membership

In this article, we argue that progress in the study of collective action rests on an increasingly sophisticated application of the social identity approach. We develop the view, however, that the application of this theoretical perspective has been limited by theoretical and empirical difficulties in distinguishing between social categories and psychological groups. These problems have undermined the ability of researchers to correctly specify the collective identities that actually underpin many instances of collective action. As a partial solution to this problem we focus on collective identities based on shared opinion (opinion-based groups). We develop the proposition that much collective action reflects the crystallization or instantiation of opinion-based groups. We also outline an intervention aimed at stimulating commitment to collective action through group-based interaction involving opinion-based group members. We conclude by emphasizing that opinion-based groups tend to be most successful when they present themselves as being representative or aligned with dominant, positively valued social categories such as nations.     

A Collaborative View of Knowledge in a Knowledge Society: An International Perspective

This paper focuses on key topics that rose to the fore at the `Getting the Story Right' Joint Forum Assembly Meeting between business and higher education leaders of Australia, Canada, Japan, Poland, and the United States which was held in October 1998 in Banff, Canada. Arising from participant observation notes, conversations, document analysis, and reflective writing, the work centers on four major themes: the nature of knowledge and knowledge workers, the fundamental difference between training and learning, the short-term effects of shifting workplace and economic situations, and the long-term impact of intergenerational influences. Each of these knowledge-related themes emerged in collaborative discussions that transcended national, occupational, and cultural boundaries. The paper takes the position that dialogue regarding the nature and usefulness of knowledge paradoxically takes an inward view as it develops outwardly to the case of others and the world. In a collaborative process of this nature, an important dimension of shared human meaning making becomes briefly revealed.     

The Right Turn in Economic Policy: Business Elites and the New Conservative Economics

Sociological Forum - What was the role of business elites in the development of the new conservative economic policies? Corporate elite and class fraction arguments have been invoked to explain...     

Service Personnel,Technology, and Their Interaction in Influencing Customer Satisfaction*

Managing both the technologies and the personnel needed for providing high‐quality, multichannel customer support creates a complex and persistent operational challenge. Adding to this difficulty, it is still unclear how service personnel and these new communication technologies interact to influence the customer's perceptions of the service being provided. Motivated by both practical importance and inconsistent findings in the academic literature, this exploratory research examines the interaction of media richness, represented by three different technology contexts (telephone, e‐mail, and online chat), with six customer service representative (CSR) characteristics and their influences on customer satisfaction. Using a large‐sample customer survey data set, the article develops a multigroup structural equation model to analyze these interactions. Results suggest that CSR characteristics influence customer service satisfaction similarly across all three technology‐mediated contexts. Of the characteristics studied, service representatives contribute to customer satisfaction more when they exhibit the characteristics of thoroughness, knowledgeableness, and preparedness, regardless of the richness of the medium used. Surprisingly, while three other CSR characteristics studied (courtesy, professionalism, and attentiveness) are traditionally believed to be important in face‐to‐face encounters, they had no significant impact on customer satisfaction in the technology‐mediated contexts studied. Implications for both practitioners and researchers are drawn from the results and future research opportunities are discussed.     

A Factor Analysis Approach Toward Reconciling Community Vulnerability and Resilience Indices for Natural Hazards

The concepts of vulnerability and resilience help explain why natural hazards of similar type and magnitude can have disparate impacts on varying communities. Numerous frameworks have been developed to measure these concepts, but a clear and consistent method of comparing them is lacking. Here, we develop a data-driven approach for reconciling a popular class of frameworks known as vulnerability and resilience indices. In particular, we conduct an exploratory factor analysis on a comprehensive set of variables from established indices measuring community vulnerability and resilience at the U.S. county level. The resulting factor model suggests that 50 of the 130 analyzed variables effectively load onto five dimensions: wealth, poverty, agencies per capita, elderly populations, and non–English-speaking populations. Additionally, the factor structure establishes an objective and intuitive schema for relating the constituent elements of vulnerability and resilience indices, in turn affording researchers a flexible yet robust baseline for validating and expanding upon current approaches.     

Volunteers as resources in preparing foster adolescents for self-sufficiency

Volunteers can be extremely valuable resources in a variety of ways in independent-living programs. This article summarizes current usage in many programs nationwide; details specific roles for volunteers, and where weaknesses lie; and specifies recommendations for strong volunteer programming.     

Does the client have a gambling problem?

Representatives from 40 New York City social agencies were interviewed in order to determine the extent to which gambling is a problem among their clients. The findings indicate that (a) agency personnel rarely ask clients about gambling behavior either on intake or with continued agency contact; (b) rarely do clients spontaneously mention gambling as a problem; (c) problem gambling is usually brought to the attention of the agency by the wives of problem gamblers; and (d) gambling is a hidden family problem associated with marital discord and financial disarray. In order to have a better understanding of problem gambling and its vicissitudes it is recommended that agency personnel keep statistics on gambling and gambling related problems.This paper was revised after the untimely death of Leonard S. Kogan, Professor of Psychology and Director of the Center for Social Research, The Graduate School and University Center, The City University of New York.