#10 · Workflow · AL-35 · AL-01 · AL-04 · AL-23 · Federal Compensation & Benefits

Federal Job Decision Suite

Federal vs. private comp comparison through total comp stack, geo-fiscal relocation, and benefits optimization — for private-sector workers evaluating a GS offer. GS pay + locality → total comp → CoL-adjusted real value → optimized FEHB package → net decision.

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→ → →
1 ✓
Step 1 · AL-35 · Federal vs. Private Comp Comparator
GS Pay + Locality vs. Private Total Comp
Full tool: AL-35 ↗
›
$
%
%
Federal Total Compensation Breakdown
$0
GS w/ Locality
2026 OPM pay table
$0
Federal Total
incl. FEHB + TSP + leave + pension/20
$0
Private Total
base + bonus + 401k match
—
Winner
—
Side-by-Side Breakdown
Component Federal (GS) Private Sector
Pension Net Present Value
$0
FERS Annual Pension
@ 20 yrs × 1% × high-3
$0
Pension NPV
20-yr annuity @ 3% discount
→ GS base of $0 with federal/private choice will pre-fill Total Compensation modeling in Step 2.
2 ✓
Step 2 · AL-01 · Total Compensation Suite
Full Comp Stack: Base + Bonus + Benefits + Retirement
Full tool: AL-01 ↗
›
$
$
$
$
$
$
Compensation Stack
$0
Total Annual Comp
All components
$0
Total Cash
Base + bonus
$0
Benefits Value
Health + retirement + other
0%
Non-Cash Share
Of total comp
Comp Breakdown
→ Total comp of $0 and base of $0 will pre-fill geo-fiscal city comparison in Step 3.
3 ✓
Step 3 · AL-04 · Geo-Fiscal Arbitrage Simulator
Duty Station CoL + State Tax Purchasing Power
Full tool: AL-04 ↗
›
Geo-Fiscal Purchasing Power
$0
CoL-Adjusted Salary
Real purchasing power equivalent
$0
State Tax Bite
est. annual
$0
Net Purchasing Power
CoL-adj minus state tax
—
CoL Index
US avg = 100
→ Net purchasing power of $0 in — will anchor FEHB benefits optimization in Step 4.
4 ✓
Step 4 · AL-23 · Benefits Open Enrollment Optimizer
FEHB Health Plan + HSA/FSA + FEDVIP Optimization
Full tool: AL-23 ↗
›
$
Benefits Optimization Results
$0
Net Annual Health Cost
Premium + OOP − tax savings
$0
HSA/FSA Tax Savings
At 28% / 22% marginal rate
$0
Expected OOP
Capped at plan OOP max
$0
Net Benefits Value
FEHB employer − net cost
Explore the full tools used in this demo
AL-35 Federal vs. Private Comp Comparator → AL-01 Total Compensation Suite → AL-04 Geo-Fiscal Arbitrage Simulator → AL-23 Benefits Open Enrollment Optimizer →