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In 2004, 84 per cent of public sector workers had access to DB schemes compared with 38 per cent in the private sector. Twenty-seven per cent of private sector employees were offered stakeholder schemes while the figure is 13 per cent in the public sector. The CIPD says hybrid schemes have failed to make a significant impact on employers and comprise just 2 per cent of private sector schemes and zero in the public sector. The pace of change of company pension schemes appears to be slowing. Around 14 per cent of employers are considering changing their pension scheme offering this year compared with 15 per cent last year and 20 per cent in 2003. Most respondents say the main changes they are considering include increasing employer and employee contribution rates and amending accrual rates to make DB schemes more affordable.