An apparatus, program product and method utilize the retrieval status of a resource to generate an access plan for a database query that uses the resource. The retrieval status, which indicates, for example, what percentage of a given resource is already stored in working memory, and thus need not be separately retrieved during query execution, may be used to generate more accurate input/output cost estimates for access plans, and thus enable a query optimizer to better select an access plan that is optimal under given runtime conditions.