Similarly, in urban areas, an average of one third of the region's workers are covered for retirement or other pensions, which, when broken down by country, ranges from double that figure to half (see table II.l). This shows how much contributory social protection coverage varies, posing different challenges for different countries and economic sectors. Lack of a contract is closely associated with poor-quality employment and informal work, comprising the majority of workers without social protection, and is concentrated among the poorest sector of the population, which is the customary target population for non-contributory social protection programmes.