More often than not, Marta Schwartz’s paycheck is worth nothing.

The $5 she makes per hour as a server doesn’t even pay the taxes she owes on her tips, and that’s reflected in her pay stub with a neat line of zeros.

Schwartz is one of 771,000 hospitality workers in New York State — about 2.8 million food service workers across the country — making the federal minimum wage of $7.25 or less.