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Americans Without a Retirement Plan, by State

AARP

More than half of nongovernment workers have no access to a retirement savings plan through their employers. The likelihood that your employer offers such a plan may well depend on where you live. New Mexico ranked last, with nearly 64 percent of its private employees lacking access to a plan; North Dakota fared best, with 39 percent of its private-sector workers lacking a workplace savings option. Where did your state fall? Check out the full rankings.

Number and Percentage of Private Wage and Salary Workers Ages 18-64 Whose Employers Do Not Offer a Retirement Plan (Average 2010-2012)

State

% w/out Retirement Plan

#w/out Retirement Plan

Alabama 
Alaska 
Arizona 
Arkansas 
California 
Colorado 
Connecticut 
District of Columbia 
Delaware 
Florida 
Georgia 
Hawaii 
Idaho 
Illinois 
Indiana 
Iowa 
Kansas 
Kentucky 
Louisiana 
Maine 
Maryland 
Massachusetts
Michigan 
Minnesota 
Mississippi 
Missouri 
Montana 
Nebraska 
Nevada 
New Hampshire
New Jersey 
New Mexico 
New York 
North Carolina
North Dakota 
Ohio 
Oklahoma 
Oregon 
Pennsylvania
Rhode Island 
South Carolina 
South Dakota 
Tennessee 
Texas 
Utah 
Vermont 
Virginia 
Washington 
West Virginia 
Wisconsin 
Wyoming 

50.4 
49.3 
58.1 
53.8 
57.7 
46.8 
45.2 
47.5 
45.7 
60.8 
53.1 
50.6 
53.4 
47.9 
47.7 
43.2 
43.4 
50.2 
56.9 
45.7 
47.2 
49.8 
51.1 
39.8 
56.1 
46.1 
49.8 
45.7 
57.2 
44.5 
53.5 
63.8 
53.9 
51.9 
39.4 
45.6 
48.4 
47.6 
44.1 
47.9 
53.6 
42.3 
50.0 
57.8 
52.6 
45.5 
45.2 
45.2 
45.1 
42.2 
48.3 

776,562 
115,745 
1,303,382 
530,800 
7,443,486 
885,455 
605,956 
156,057 
101,761 
3,900,532 
1,744,599 
219,001 
275,796 
2,317,653 
1,091,157 
520,676 
423,578 
786,996 
815,411 
228,775 
998,713 
1,267,978 
1,759,934 
873,643 
495,468 
999,824 
155,607 
322,274 
569,332 
235,804 
1,767,114 
359,943 
3,621,611 
1,667,227 
101,840 
1,893,868 
581,904 
642,042 
2,149,076 
188,644 
826,790 
128,910 
1,100,912 
5,343,118 
525,868 
111,717 
1,291,424 
1,122,330 
251,666 
955,723 
93,409 

U.S. Total for 2012

51.7%

57,653,566