Originally Posted by kronan

Using only the Floor, no rosey numbers at all, it's an extra 16k for me.

Attributable only do to the Extra $$ in excess of the cap, and Extra YOS.

When I plug in the numbers, I assume I'm 2 years older than I am in anticipation of a future transition date.

FWIW-
A plan value is essentially 5200$ a year (up to 25)
VB Max yearly value (2018) is 5500$ (DC limit times .02)

Next year's VB value would go up, an as yet undetermined value. Social Security and a whole slew of other benefits gaining 2.8% in 2019, so assuming a slightly lower increase of 2.5% puts the DC limit at 281.88..for a VB yearly value of 5638.

So, those earning the DC limit without 25 YOS gain 300$ year 1, then 438 year 2 and so on.

Those who already have 25 YOS would gain the 5.5.

And yes, that assumes the 2% floor is negotiated in.