Table 11. Fee-for-service plans: Coinsurance percentage, private industry workers, National Compensation Survey, 2011 (All workers participating in fee-for-service plans with coinsurance = 100 percent) Fixed coinsurance Variable coinsurance With Characteristics Total With Median With Median coinsurance percentage other fixed coinsura- variable coinsura- coinsura- nce coinsura- nce nce percenta- nce In-netwo- Out-of- Point-of- ge rk network service All workers............................. 100 – – 85 80 60 90 – Worker characteristic Management, professional, and related... 100 – – 88 80 60 90 – Management, business, and financial... 100 12 80 88 80 60 85 – Professional and related.............. 100 – – 87 80 60 100 – Service................................. 100 – – 86 80 60 100 – Protective service.................... 100 – – 97 80 60 100 – Sales and office........................ 100 – – 86 80 60 90 – Sales and related..................... 100 11 80 89 80 60 90 – Office and administrative support..... 100 – – 84 80 60 90 – Natural resources, construction, and maintenance............................. 100 – – 84 80 60 90 – Construction, extraction, farming, fishing, and forestry................. 100 – – 85 90 70 90 – Installation, maintenance, and repair 100 – – 84 80 60 90 – Production, transportation, and material moving.................................. 100 19 80 81 80 60 90 – Production............................ 100 14 80 86 80 60 80 – Transportation and material moving.... 100 25 80 75 85 60 90 – Full time............................... 100 – – 86 80 60 90 – Part time............................... 100 – – 81 80 60 100 – Union................................... 100 – – 69 90 70 100 – Nonunion................................ 100 – – 88 80 60 90 – Average wage within the following categories:(1) Lowest 25 percent..................... 100 12 75 88 80 60 90 – Lowest 10 percent................... 100 – – 78 80 60 – – Second 25 percent..................... 100 – – 88 80 60 90 – Third 25 percent...................... 100 – – 83 80 60 90 – Highest 25 percent.................... 100 – – 85 85 60 90 – Highest 10 percent.................. 100 – – 87 85 60 90 – Establishment characteristic Goods-producing industries.............. 100 11 80 89 80 60 90 – Construction.......................... 100 – – 91 85 70 – – Manufacturing......................... 100 10 80 90 80 60 80 – Service-providing industries............ 100 – – 85 80 60 90 – Trade, transportation, and utilities.. 100 14 80 86 80 60 90 – Wholesale trade..................... 100 – – 95 80 60 90 – Retail trade........................ 100 – – 91 80 60 90 – Utilities........................... 100 – – 92 90 65 – – Information........................... 100 27 80 73 90 60 90 – Financial activities.................. 100 21 80 79 80 60 90 – Finance and insurance............... 100 16 80 84 80 60 90 – Credit intermediation and related activities........................ 100 14 80 86 80 60 80 – Insurance carriers and related activities........................ 100 18 80 82 85 60 85 – Professional and business services.... 100 24 80 76 90 65 85 – Professional and technical services 100 – – 77 90 70 – – Education and health services......... 100 – – 91 80 60 100 – Educational services................ 100 – – 89 90 70 100 – Junior colleges, colleges, and universities...................... 100 – – 90 80 60 100 – Healthcare and social assistance.... 100 – – 92 80 60 100 – Leisure and hospitality............... 100 – – 90 80 60 – – 1 to 99 workers......................... 100 14 80 86 80 60 90 – 1 to 49 workers....................... 100 11 80 89 80 60 90 – 50 to 99 workers...................... 100 19 80 81 80 60 90 – 100 workers or more..................... 100 – – 85 80 60 90 – 100 to 499 workers.................... 100 – – 85 80 60 90 – 500 workers or more................... 100 – – 85 80 60 90 – Geographic area New England............................. 100 – – 77 85 60 100 – Middle Atlantic......................... 100 – – 78 90 70 100 – East North Central...................... 100 9 80 91 80 60 100 – West North Central...................... 100 – – 91 80 60 80 – South Atlantic.......................... 100 – – 84 80 60 90 – East South Central...................... 100 – – 87 80 60 90 – West South Central...................... 100 9 80 91 80 60 85 – Mountain................................ 100 – – 79 80 60 90 – Pacific................................. 100 17 80 83 80 60 90 – 1 The categories are based on the average wage for each occupation surveyed, which may include workers with earnings both above and below the threshold. The average wages are based on the estimates published in the "National Compensation Survey: Occupational Earnings in the United States, 2010." See Technical Note for more details. NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20112012.htm.