Fewer than one-third (30.3 percent) of full-time Hispanic workers ages 25 to 64 participated in a retirement plan in 2008, roughly half the rate of white non-Hispanic workers (56.6 percent). A major reason is that the typical full-time Hispanic worker earned one-third less than the typical full-time white non-Hispanic worker ($26,445 versus $41,011 in 2008) and lower-income workers are less likely to be covered. However, according to an analysis of U.S. Census Bureau data by the Employee Benefit Research Institute, Hispanics are less likely to be covered at any given pay level than white workers.