There was a wide difference in pension scheme membership (for both employer’s and personal pension schemes) between industry groups. The sample sizes of some groups are, however, small and the results for these industries should be treated with caution. For the years 1996, 1998 and 2000 combined:

• those working full time in public and personal services were the most likely to belong to an employer’s pension scheme (80% of men and 69% of women) and the least likely to belong to a personal pension scheme (14% of men and 12% of women)
• those least likely to belong to their employer’s pension scheme were men working full time in agriculture, forestry and fishing (24%) and male and female employees working full time in the distribution, hotels and catering repairs sector (36% and 33% respectively).