Build Your Scenario

Last updated: April 12, 2026

Quantify what Iowa state employees stand to lose. Use Individual mode to model a single employee's financial impact, or Group Impact to build a roster of job classifications and see the aggregate cost across an entire workforce.

All values are estimates based on published Iowa Department of Administrative Services (DAS) rates, Iowa Public Employees' Retirement System (IPERS) rules, and disclosed assumptions. Verify with DAS and IPERS before making decisions.

Enter your state employment details below. The results show the full financial impact of being separated from state employment — accrued leave, retirement income, and benefits. If you've been given an offer from CGI, check the box at the bottom of the panel to add a side-by-side comparison.

Employee Profile
Years of Service 15
Current Age 47
Intended Retirement Age 65
Life Expectancy (Age at Death) Age 82
Used to calculate total lifetime retirement income gap. The longer you live, the more a guaranteed pension is worth relative to a finite 401(k) balance. CDC data indicates average life expectancy at age 65 is about 83 for men and 86 for women.
Current Annual Salary $72,000
Leave Balances
Current Sick Leave Balance (hours) 600
Current Vacation Balance (hours) 120
Avg. Sick Days Used per Year 3
Avg. Vacation Days Used per Year 10
State of Iowa Health Insurance

Iowa offers two network options through Wellmark Blue Cross Blue Shield. Both have identical benefits; the difference is provider access. Iowa has only two coverage tiers: Single and Family.

Iowa Plan
Coverage Tier
CGI Offered Salary
CGI Offered Salary $75,000
CGI Health Insurance

CGI offers two High-Deductible Health Plans (HDHP) through Cigna. There is no Preferred Provider Organization option. CGI has four coverage tiers.

CGI Medical Plan
Coverage Tier
CGI 401(k)

CGI matches 50% of the first 6% of base salary you contribute each pay period, up to a maximum employer match of $6,000 per year. This match rate is fixed and cannot be changed.

CGI Match Structure
Employer match rate 50% of first 6%, max $6,000/yr
Your 401(k) Contribution % 6%
Investment Growth Rate Assumption 6%

The Price of Loyalty — Individual Scenario

www.thepriceofloyalty.com

Your Actual History Is Different

These scenarios are illustrative estimates. Your real salary record, leave balances, and retirement position are unique to you — and retrievable from the database.

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