Figure A

Final-average-salary defined-benefit plan: Hypothetical benefits, salary, and productivity over work lifetime

Age Annual salary  Compensation (net salary + change in lifetime benefits) Productivity 
32 $35,000 $35,000  $                 25,000
33 $36,000 $36,088  $                 29,900
34 $37,000 $37,182  $                 34,600
35 $38,000 $38,283  $                 39,100
36 $39,000 $39,393  $                 43,400
37 $40,000 $93,355  $                 47,500
38 $41,000 $54,130  $                 51,400
39 $42,000 $55,770  $                 55,100
40 $43,000 $57,410  $                 58,600
41 $44,000 $59,050  $                 61,900
42 $45,000 $60,690  $                 65,000
43 $46,000 $62,330  $                 67,900
44 $47,000 $63,970  $                 70,600
45 $48,000 $65,610  $                 73,100
46 $49,000 $67,250  $                 75,400
47 $50,000 $68,890  $                 77,500
48 $51,000 $70,530  $                 79,400
49 $52,000 $72,170  $                 81,100
50 $53,000 $73,810  $                 82,600
51 $54,000 $75,450  $                 83,900
52 $55,000 $77,090  $                 85,000
53 $56,000 $78,730  $                 85,900
54 $57,000 $80,370  $                 86,600
55 $58,000 $82,010  $                 87,100
56 $59,000 $83,650  $                 87,400
57 $60,000 $85,290  $                 87,500
58 $61,000 $86,930  $                 87,400
59 $62,000 $88,570  $                 87,100
60 $63,000 $90,210  $                 86,600
61 $64,000 $91,850  $                 85,900
62 $65,000 $65,140  $                 85,000
63 $66,000 $63,960  $                 83,900
64 $67,000 $62,690  $                 82,600
65 $68,000 $61,330  $                 81,100
66 $69,000 $59,880  $                 79,400
67 $70,000 $58,340  $                 77,500
68 $71,000 $56,710  $                 75,400
69 $72,000 $54,990  $                 73,100
70 $73,000  $53,180  $                 70,600
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