If you receive retirement benefits through your job, consider yourself to be among the more fortunate half of the population. Only about half of full-time employees participate in a workplace retirement plan, according to a new report by the Pew Charitable Trusts. While 58 percent of workers are eligible for retirement benefits, just 49 percent of employees sign up for the retirement plan.

However, access to retirement benefits varies considerably by state and the industry that people work in. There are 17 states where less than half of workers participate in a retirement plan, Pew found. Here are the states where workers are the least likely to have retirement benefits:

Florida. Just 38 percent of full-time employees in the sunshine state participate in retirement benefits, the lowest of any state. Florida is also the state where the smallest proportion of workers (46 percent) are offered a retirement account or other type of retirement benefit by their employer.

Nevada. Over a quarter (27 percent) of Nevada’s full-time workers are employed in the leisure and hospitality industries, which are among the types of employers least likely to provide retirement benefits. Only 39 percent of workers in Nevada participate in a workplace retirement plan. About half of employees (51 percent) are eligible for retirement benefits at work.

Arizona. Some 41 percent of Arizona workers participate in a retirement plan through their job. That’s 11 percentage points less than the 52 percent of full-time employees who are offered retirement benefits at work.

New Mexico. Over a third of New Mexico employees work for small businesses with fewer than 50 employees, which are typically less likely to provide retirement benefits than larger companies. Just under half (49 percent) of New Mexico workers have the opportunity to sign up for retirement benefits at work, but only 41 percent of employees use their retirement accounts.

Texas. Exactly half of the Texas workforce is eligible for some form of workplace retirement benefit. However, only 41 percent of employees participate in a retirement plan. Texas has 3 million full-time private-sector employees without access to an employer-based retirement plan, Pew found.

California. Just over half (51 percent) of California workers qualify for retirement benefits at work, but only 44 percent of workers actually use the plan. Pew estimates that 4 million full-time private-sector employees in California don’t have a workplace retirement plan.

Louisiana. Over a quarter of Louisiana workers earn less than $25,000 per year, which makes it difficult to fund a retirement account. Some 44 percent of Louisiana employees participate in a retirement account or pension, compared with 53 percent of people who are eleigible to do so.

Arkansas. Retirement saving in Arkansas is also hindered by the 28 percent of full-time workers who earn less than $25,000 per year. This helps to explain why there are 10 percentage points more Arkansas workers who are eligible to participate in retirement benefits (55 percent) than who actually save in the plan (45 percent).

Georgia. Some 45 percent of Georgia workers participate in a pension, 401(k) plan or similar type of retirement benefit. Slightly more workers (53 percent) have the option to use a retirement plan if they take action to join one and can afford to save in it.

Mississippi. Over half (55 percent) of workers in Mississippi are eligible to join a retirement plan. However, only 47 percent of Mississippi workers actually use their retirement benefits.

Retirement benefits are most prevalent among people who live in the Midwest and New England. In Minnesota and Wisconsin, the states with the highest retirement benefit participation, 61 percent of workers have joined their workplace retirement plans.

Employees without retirement benefits at work have the option to save for retirement in a traditional IRA, Roth IRA or myRA. These retirement accounts offer similar tax breaks to 401(k) plans, but the contribution limits are much lower.

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10 States Where Most People Don’t Get Retirement Benefits originally appeared on usnews.com