Federal Employee Benefits Analysis - Federal …

1 Federal Employee Benefits Analysis November 17, 2010. Sam Jones 123 Main Street Any Town, US 54321. _____. Company Name Your Name Company Address - line 1. Company Address - line 2. Company City, ST Company Zip Phone: Company Phone # Extension: 1234. Fax: Company Fax #. Email: Benefits Analysis Company Name Monthly Income / Expense - All Sources Not Enough Income In Each Year Of Retirement Age Income Expense Difference Change 56 $3, $5, -$1, 57 $3, $5, -$2, -$ 58 $3, $6, -$2, -$ 59 $3, $6, -$2, -$ 60 $4, $6, -$2, -$ 61 $4, $6, -$2, -$ 62 $4, $7, -$2, $ 63 $4, $7, -$2, -$ 64 $4, $7, -$2, -$ 65 $4, $7, -$2, -$ 66 $5, $8, -$2, -$ 67 $5, $8, -$3, -$ 68 $5, $8, -$3, -$ 69 $5, $8, -$3, -$ 70 $5, $9, -$3, -$ 71 $5, $9, -$3, -$ 72 $5, $9, -$4, -$ 73 $6, $10, -$4, -$ 74 $6, $10, -$4, -$ 75 $6, $11, -$4, -$ 76 $6, $11, -$5, -$ 77 $6, $12, -$5, -$ 78 $6, $12, -$5, -$ 79 $6, $12, -$6, -$ 80 $7, $13, -$6, -$ 81 $7, $14, -$6, -$ 82 $7, $14, -$7, -$ 83 $7, $15, -$7, -$ 84 $7, $15, -$7, -$ 85 $8, $16, -$8, -$ 86 $8, $16, -$8, -$ 87 $8, $17, -$9, -$ 88 $8, $18, -$9, -$ 89 $8, $19, -$10, -$ 90 $9, $19, -$10.

2 -$ Company Name Thrift Savings Plan Company Name Thrift Savings Plan - Contributions and Projected Savings Summary of Annual Contributions and Savings in the C, F, G, I and S Funds: 12-2010 to 08-2017. End of Your Gov TOTAL C Fund F Fund G Fund I Fund S Fund TOTAL. Age Salary Year Contrib Contrib Contrib Savings Savings Savings Savings Savings Savings 12-2010 49 66,237 3,312 1,656 4,968 28,821 0 28,413 0 0 57,234. 12-2011 50 68,224 3,411 1,706 5,117 32,913 0 32,024 0 0 64,937. 12-2012 51 70,271 3,514 1,757 5,270 37,293 0 35,841 0 0 73,134. 12-2013 52 72,379 3,619 1,809 5,428 41,979 0 39,873 0 0 81,852. 12-2014 53 74,550 3,728 1,864 5,591 46,987 0 44,133 0 0 91,120. 12-2015 54 76,787 3,839 1,920 5,759 52,337 0 48,628 0 0 100,965. 12-2016 55 79,090 3,955 1,977 5,932 58,050 0 53,372 0 0 111,422. 08-2017 56 0 1,697 849 2,546 61,313 0 55,922 0 0 117,235.

3 Summary of Annual Contributions and Savings in the L Funds (C, F, G, I and S): 12-2010 to 08-2017. End of Your Gov TOTAL C Fund F Fund G Fund I Fund S Fund TOTAL. Age Salary Year Contrib Contrib Contrib Savings Savings Savings Savings Savings Savings 12-2010 49 66,237 3,312 1,656 4,968 19,295 4,525 16,025 10,779 6,744 57,368. 12-2011 50 68,224 3,411 1,706 5,117 21,612 5,063 19,002 12,068 7,460 65,205. 12-2012 51 70,271 3,514 1,757 5,270 24,041 5,628 22,248 13,418 8,197 73,532. 12-2013 52 72,379 3,619 1,809 5,428 26,586 6,220 25,780 14,832 8,955 82,373. 12-2014 53 74,550 3,728 1,864 5,591 29,252 6,841 29,616 16,313 9,735 91,757. 12-2015 54 76,787 3,839 1,920 5,759 32,043 7,491 33,774 17,862 10,534 101,704. 12-2016 55 79,090 3,955 1,977 5,932 34,963 8,173 38,276 19,481 11,354 112,247. 08-2017 56 0 1,697 849 2,546 36,513 8,531 40,960 20,339 11,755 118,098.

4 Total Savings at Retiremet: C, F, G, I and S Funds + L Funds = $117,235 + $118,098 = $235,333. Company Name Retirement Benefits Company Name Retirement Annuity and Surviving Spouse Benefits Benefits Data Calculations based on a COLA (In Retirement) of and a 50% Survivor Annuity. Monthly Monthly Accumulated Annuity Annuity Survivor's Monthly Annual Annual Year Age No With Monthly Difference Difference Difference Survivor Survivor Annuity [A] - [B] * [A] - [B]. [A] - [B]. [A] [B]. 1 56 2, 1, 1, 2, 2, 2 57 2, 1, 1, 2, 5, 3 58 2, 1, 1, 2, 7, 4 59 2, 1, 1, 2, 10, 5 60 2, 1, 1, 2, 12, 6 61 2, 1, 1, 2, 15, 7 62 2, 1, 1, 2, 17, 8 63 2, 1, 1, 2, 20, 9 64 2, 2, 1, 2, 22, 10 65 2, 2, 1, 2, 25, 11 66 2, 2, 1, 2, 28, 12 67 2, 2, 1, 2, 31, 13 68 2, 2, 1, 2, 34, 14 69 2, 2, 1, 3, 37, 15 70 2, 2, 1, 3, 40, 16 71 2, 2, 1, 3, 43, 17 72 2, 2, 1, 3, 46, 18 73 2, 2, 1, 3, 50, 19 74 2, 2, 1, 3, 53, 20 75 2, 2, 1, 3, 56, 21 76 2, 2, 1, 3, 60, 22 77 3, 2, 1, 3, 64, 23 78 3, 2, 1, 3, 67, 24 79 3, 2, 1, 3, 71, 25 80 3, 2, 1, 3, 75, 26 81 3, 2, 1, 3, 79, 27 82 3, 3, 1, 4, 83, 28 83 3, 3, 1, 4, 87, 29 84 3, 3, 1, 4, 92, 30 85 3, 3, 1, 4, 96, 31 86 3, 3, 1, 4, 100, 32 87 3, 3, 1, 4, 105, 33 88 3, 3, 1, 4, 110, 34 89 3, 3, 2, 4, 114, 35 90 4, 3, 2, 4, 119.

5 * Monthly Annuity No Survivor Minus Monthly Annuity With Survivor Accumulated Cost of Survivor Benefit Company Name Federal Employees Group Life Insurance Company Name Federal Employees Group Life Insurance Summary as of November-17-2010. At your current age of 49, your annual salary is $66, , and you expect annual salary increases of Your life insurance coverage includes: Basic (equal to your rounded annual salary plus $2000), Option A. (equal to $10,000), Option B (equal to 3 times your annual salary), Option C insures your spouse for $25,000. You plan to retire on 06-21-2017 at the age of 56. You elected to continue your full Basic coverage at the age of 65. You chose to keep full Option B coverage at the age of 65. You elected to keep full Option C coverage at the age of 65. FEGLI Premiums and Coverage Annual Biweekly Monthly Annual Accumulated Total Age Basic Option A Option B Option C.

6 Salary Premium Premium Premium Cost Coverage 49/50 66,237 841 841 69,000 10,000 201,000 25,000 305,000. 50/51 68,224 1,184 2,025 71,000 10,000 207,000 25,000 313,000. 51/52 70,271 1,213 3,238 73,000 10,000 213,000 25,000 321,000. 52/53 72,379 1,243 4,481 75,000 10,000 219,000 25,000 329,000. 53/54 74,550 1,273 5,754 77,000 10,000 225,000 25,000 337,000. 54/55 76,787 1,302 7,056 79,000 10,000 231,000 25,000 345,000. 55/56 79,090 2,326 9,382 82,000 10,000 240,000 25,000 357,000. Retirement Starts 56/57 0 4,126 13,508 82,000 10,000 240,000 25,000 357,000. 57/58 0 4,126 17,635 82,000 10,000 240,000 25,000 357,000. 58/59 0 4,126 21,761 82,000 10,000 240,000 25,000 357,000. 59/60 0 4,126 25,888 82,000 10,000 240,000 25,000 357,000. 60/61 0 6,359 32,246 82,000 10,000 240,000 25,000 357,000. 61/62 0 6,359 38,605 82,000 10,000 240,000 25,000 357,000.

7 62/63 0 6,359 44,963 82,000 10,000 240,000 25,000 357,000. 63/64 0 6,359 51,322 82,000 10,000 240,000 25,000 357,000. 64/65 0 6,359 57,680 82,000 10,000 240,000 25,000 357,000. 65/66 0 6,684 64,364 82,000 10,000 240,000 25,000 357,000. 66/67 0 6,684 71,048 82,000 7,600 240,000 25,000 354,600. 67/68 0 6,684 77,731 82,000 5,200 240,000 25,000 352,200. 68/69 0 6,684 84,415 82,000 2,800 240,000 25,000 349,800. 69/70 0 6,684 91,098 82,000 2,500 240,000 25,000 349,500. 70/71 0 9,731 100,829 82,000 2,500 240,000 25,000 349,500. 71/72 0 9,731 110,560 82,000 2,500 240,000 25,000 349,500. 72/73 0 9,731 120,291 82,000 2,500 240,000 25,000 349,500. 73/74 0 9,731 130,021 82,000 2,500 240,000 25,000 349,500. 74/75 0 9,731 139,752 82,000 2,500 240,000 25,000 349,500. 75/76 0 1, 13,618 153,370 82,000 2,500 240,000 25,000 349,500. 76/77 0 1, 13,618 166,988 82,000 2,500 240,000 25,000 349,500.

8 77/78 0 1, 13,618 180,605 82,000 2,500 240,000 25,000 349,500. 78/79 0 1, 13,618 194,223 82,000 2,500 240,000 25,000 349,500. 79/80 0 1, 13,618 207,841 82,000 2,500 240,000 25,000 349,500. 80/81 0 1, 17,557 225,398 82,000 2,500 240,000 25,000 349,500. 81/82 0 1, 17,557 242,954 82,000 2,500 240,000 25,000 349,500. 82/83 0 1, 17,557 260,511 82,000 2,500 240,000 25,000 349,500. 83/84 0 1, 17,557 278,068 82,000 2,500 240,000 25,000 349,500. 84/85 0 1, 17,557 295,625 82,000 2,500 240,000 25,000 349,500. 85/86 0 1, 17,557 313,181 82,000 2,500 240,000 25,000 349,500. 86/87 0 1, 17,557 330,738 82,000 2,500 240,000 25,000 349,500. 87/88 0 1, 17,557 348,295 82,000 2,500 240,000 25,000 349,500. 88/89 0 1, 17,557 365,852 82,000 2,500 240,000 25,000 349,500. 89/90 0 1, 17,557 383,408 82,000 2,500 240,000 25,000 349,500. 90/91 0 1, 17,557 400,965 82,000 2,500 240,000 25,000 349,500.

9 91/92 0 1, 17,557 418,522 82,000 2,500 240,000 25,000 349,500. 92/93 0 1, 17,557 436,079 82,000 2,500 240,000 25,000 349,500. Total Average Premium from Age 49 to Age 65 Basic Option A Option B Option C. Premium Biweekly $ $ $ $ $ Monthly $ $ $ $ $ Company Name Benefits and Costs Analysis Company Name Benefits Cost Analysis Annual Annual TOTAL TOTAL Cost Increase Survivor Age FEGLI Annual ACCUMULATED From Previous Benefit Cost Cost COST Year Cost 49/50 841 0 841 841. 50/51 1,184 0 1,184 2,025 343. 51/52 1,213 0 1,213 3,238 29. 52/53 1,243 0 1,243 4,481 30. 53/54 1,273 0 1,273 5,754 30. 54/55 1,302 0 1,302 7,056 29. 55/56 2,326 0 2,326 9,382 1,024. Retirement Starts 56/57 4,126 2,508 6,634 16,016 4,308. 57/58 4,126 2,508 6,634 22,650. 58/59 4,126 2,508 6,634 29,284. 59/60 4,126 2,508 6,634 35,918. 60/61 6,359 2,508 8,867 44,785 2,233.

10 61/62 6,359 2,508 8,867 53,652. 62/63 6,359 2,567 8,926 62,578 59. 63/64 6,359 2,627 8,986 71,563 60. 64/65 6,359 2,688 9,047 80,611 61. 65/66 6,684 2,751 9,435 90,046 388. 66/67 6,684 2,815 9,499 99,545 64. 67/68 6,684 2,881 9,565 109,111 66. 68/69 6,684 2,949 9,633 118,743 67. 69/70 6,684 3,018 9,702 128,445 69. 70/71 9,731 3,088 12,819 141,265 3,118. 71/72 9,731 3,161 12,892 154,156 72. 72/73 9,731 3,235 12,966 167,122 74. 73/74 9,731 3,310 13,041 180,163 76. 74/75 9,731 3,388 13,119 193,282 77. 75/76 13,618 3,467 17,085 210,367 3,966. 76/77 13,618 3,548 17,166 227,533 81. 77/78 13,618 3,631 17,249 244,783 83. 78/79 13,618 3,716 17,334 262,117 85. 79/80 13,618 3,803 17,421 279,538 87. 80/81 17,557 3,892 21,449 300,987 4,028. 81/82 17,557 3,983 21,540 322,527 91. 82/83 17,557 4,076 21,633 344,161 93. 83/84 17,557 4,172 21,729 365,890 95.