Search Records — The Price of Loyalty

Confirm Your Identity

Select all record groups that belong to you. You may select multiple groups (for example, if you appear under different name formats or had a break in service).

Label for your records (your name)

Notes (optional)

Your Employment Details

The salary database doesn't contain everything. These details let the analysis calculate leave value, retirement impact, and benefits comparison accurately.

Employment History

Actual Employment Start Date

Your original hire date, even if before 1993.

Service Before 1993?

Current Age

Intended Retirement Age

Life Expectancy (for IPERS lifetime calculation)

Used to calculate how many years your IPERS income gap spans. CDC data indicates average life expectancy at age 65 is about 83 for men and 86 for women.

Leave Balances

If you know your current balances, enter them. Otherwise, the model will estimate based on your service history and accrual rates.

Vacation Balance (hours, if known)

Sick Leave Balance (hours, if known)

Avg Vacation Days Used per Year

Avg Sick Days Used per Year

Current State of Iowa Benefits

Your current benefit selections as a State of Iowa employee. Iowa offers two network options through Wellmark Blue Cross Blue Shield; both have identical benefits and only two coverage tiers.

Health Plan

Coverage Tier

Dental

Vision

I've been given an offer from CGI — add a side-by-side comparison

If you skip this, your analysis will still show the full impact of separation from state employment — leave value, IPERS, and employer contribution loss — without a CGI comparison column.

CGI Offer Details

Details from your CGI offer letter and CGI benefit materials. CGI offers two High-Deductible Health Plans (HDHP) through Cigna. There is no Preferred Provider Organization option.

Offered Annual Salary

Health Plan

Coverage Tier

Dental (Delta Dental of Virginia)

Vision (UnitedHealthcare)

Tobacco User Surcharge?

Working Spouse Surcharge?

CGI Retirement — 401(k)

CGI's 401(k) employer match is fixed: 50% of the first 6% of your base salary that you contribute each pay period, up to a maximum employer contribution of $6,000 per year. This is not user-adjustable.

Match: 50% of your first 6% | Annual cap: $6,000/year

My Contribution %

Percentage of salary you plan to contribute

Assumed Investment Growth Rate %

Default 6% — approximate long-term inflation-adjusted stock market average

The Price of Loyalty — Personal Financial Impact Analysis

www.thepriceofloyalty.com

These figures are illustrative estimates, not predictions. They depend on the assumptions you selected — especially investment growth rate, life expectancy, and years of service. Actual outcomes will vary. This is not financial, legal, or actuarial advice. Verify benefit details with DAS and IPERS.

Your Saved Analyses

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