Table I.E.1

Table I.E.1(2005) Average total employee-plus-one premium (in dollars) per enrolled employee at private-sector establishments that offer health insurance by firm size and selected characteristics: United States, 2005

Characteristics	Total	Less than 10 employees	10-24 employees		25-99 employees	100-999 employees	1000 or more employees	Less than 50 employees	50 or more employees

United States	7,671	7,944	7,693		7,768	7,616	7,647	7,841	7,640

Industry group **
Agric., fish., forest.	6,845	7,678	8,512		5,870	7,597	5,996	6,952	6,641
Mining and manufacturing	7,375	7,740	7,291		7,404	7,267	7,408	7,409	7,372
Construction	7,358	8,114	6,811		7,017	7,615	7,541	7,190	7,514
Utilities and transp.	7,845	6,301	7,457		8,681	8,654	7,732	8,432	7,787
Wholesale trade	7,493	7,466	7,657		7,789	7,888	7,217	7,855	7,399
Fin. svs. and real estate	7,949	9,170	10,087		8,268	7,786	7,837	9,239	7,837
Retail trade	7,197	8,189	7,413		6,802	6,990	7,214	7,484	7,142
Professional services	8,125	7,966	7,799		8,820	7,941	8,111	8,245	8,104
Other services	7,367	7,448	7,972		7,150	7,470	7,293	7,568	7,315

Ownership
For profit, incorporated	7,611	8,094	7,785		7,730	7,428	7,589	7,945	7,553
For profit, unincorporated	7,154	7,351	6,967		7,250	7,314	7,079	7,173	7,148
Nonprofit	8,398	8,236	8,322		8,298	8,414	8,420	8,080	8,436

Age of firm
Less than 5 years	6,642	5,698	6,504		7,760	6,610	6,745	6,241	7,068
5-9 years	7,242	7,713	7,071		7,062	6,325	8,183	7,288	7,199
10-19 years	7,437	8,127	7,256		7,380	7,502	7,163	7,680	7,288
20 or more years	7,767	8,359	8,121		7,924	7,749	7,659	8,172	7,691
Unknown	7,670	.	10,189	*	7,616	7,665	7,670	5,695	7,672

Multi/single status
2 or more locations	7,694	10,365	9,625		8,178	7,765	7,640	9,252	7,661
1 location only	7,599	7,901	7,545		7,600	7,342	7,918	7,677	7,504

Percent full-time employees
Less than 25%	8,194	9,807	8,068		7,736	7,209	8,519	8,832	7,892
25-49 %	8,188	7,966	8,994		7,583	8,079	8,225	8,248	8,180
50-74 %	7,582	8,410	7,445		7,402	7,659	7,516	7,648	7,570
75% or more	7,653	7,835	7,668		7,799	7,602	7,626	7,831	7,621

Union presence
No union employees	7,617	7,864	7,765		7,702	7,542	7,571	7,832	7,559
Has union employees	7,607	8,674	6,945		8,319	8,097	7,499	7,753	7,599
Unknown	8,063	9,750	8,344		7,827	7,418	8,075	8,675	8,050

Percent low wage employees
50% or more low wage	7,446	8,382	7,588		7,493	7,490	7,366	7,723	7,407
Less than 50% low wage	7,702	7,894	7,705		7,800	7,633	7,690	7,854	7,675

Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2005 Medical Expenditure Panel Survey-Insurance Component.
Note: Definitions and descriptions of the methods used for this survey can be found in the Technical Appendix.
* Figure does not meet standard of reliability or precision.
. Data suppressed due to high standard errors or no reported values in cell.
** Definitions of industry groups and low-wage employees changed in 2000. These data are not comparable to IC data prior to 2000. See Technical Appendix.

Table I.E.1(2005) Standard error for average total employee-plus-one premium (in dollars) per enrolled employee at private-sector establishments that offer health insurance by firm size and selected characteristics: United States, 2005

Characteristics	Total	Less than 10 employees	10-24 employees		25-99 employees	100-999 employees	1000 or more employees	Less than 50 employees	50 or more employees

United States	44.26	152.74	168.50		170.84	96.77	69.71	114.51	54.80

Industry group **
Agric., fish., forest.	753.22	1,063.81	1,644.05		1,159.79	1,813.03	995.11	814.70	773.03
Mining and manufacturing	102.53	710.25	275.77		199.33	183.92	126.17	187.23	114.66
Construction	157.14	345.80	271.60		405.18	464.98	335.31	177.52	219.31
Utilities and transp.	168.75	547.60	651.57		726.57	458.87	151.43	635.27	145.14
Wholesale trade	132.80	467.80	792.64		645.09	305.23	129.60	358.04	171.42
Fin. svs. and real estate	87.17	293.77	1,139.23		369.72	257.60	105.70	414.18	87.83
Retail trade	161.04	448.45	304.78		277.88	252.95	202.07	290.54	158.48
Professional services	98.75	236.41	239.18		456.77	111.40	149.17	265.28	111.00
Other services	132.77	551.13	303.63		337.09	272.84	218.18	346.92	167.96

Ownership
For profit, incorporated	41.90	163.26	174.18		200.16	151.84	68.51	157.18	56.49
For profit, unincorporated	141.76	201.28	232.65		189.72	199.35	256.81	160.76	208.16
Nonprofit	122.20	715.59	319.47		198.93	235.27	194.84	286.49	144.73

Age of firm
Less than 5 years	246.76	438.97	391.80		480.36	931.55	414.70	426.56	357.25
5-9 years	243.02	262.51	238.53		388.07	371.74	917.36	206.31	457.86
10-19 years	118.03	286.17	224.54		299.00	213.37	352.12	182.92	228.35
20 or more years	69.41	292.99	278.92		206.53	100.29	99.20	132.64	72.07
Unknown	100.92	.	3,222.04	*	1,626.58	384.29	99.34	1,580.63	102.04

Multi/single status
2 or more locations	53.79	1,456.90	960.85		404.76	59.95	69.48	690.45	55.41
1 location only	49.54	161.55	149.32		147.92	202.65	445.01	89.11	112.10

Percent full-time employees
Less than 25%	696.07	1,355.01	1,726.68		484.16	525.84	1,353.85	377.72	830.44
25-49 %	285.41	603.15	729.96		495.90	752.48	372.88	154.65	315.35
50-74 %	158.44	283.69	350.49		525.95	287.49	183.52	250.34	165.29
75% or more	28.50	190.33	180.06		179.22	97.16	53.66	145.38	39.74

Union presence
No union employees	51.34	155.24	163.94		190.38	121.18	73.26	126.97	47.38
Has union employees	110.58	675.91	601.33		337.70	213.34	136.09	327.95	122.10
Unknown	141.94	1,328.30	1,696.43		1,533.64	342.63	152.72	683.96	141.45

Percent low wage employees
50% or more low wage	127.83	660.99	562.16		264.53	256.13	176.22	392.28	157.03
Less than 50% low wage	40.43	110.85	170.14		172.97	111.04	67.25	130.46	50.86

Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2005 Medical Expenditure Panel Survey-Insurance Component.
Note: Definitions and descriptions of the methods used for this survey can be found in the Technical Appendix.
* Figure does not meet standard of reliability or precision.
. Data suppressed due to high standard errors or no reported values in cell.
** Definitions of industry groups and low-wage employees changed in 2000. These data are not comparable to IC data prior to 2000. See Technical Appendix.