Basic InvestorModule 10 · Compare the whole offer
Compensation is more than a salary number.
Pension contributions, health coverage, paid time, flexibility and learning support can change the value of an offer. Each benefit also has rules, costs and limits that need to be verified.
A practical comparison
Translate each benefit into a usable value.
- Eligibility: When does coverage or matching begin?
- Employer contribution: What is the formula, maximum and vesting rule?
- Employee cost: What comes off each paycheque?
- Coverage: What is included, excluded or capped?
- Flexibility: Can you choose cash, time, coverage or a different plan?
- Portability: What happens if you leave, change roles or take leave?
A benefits summary is a starting point. Confirm current eligibility, contribution, vesting, exclusions, claims rules and tax treatment with the employer or plan administrator.
This module provides education, not employment, tax, pension or legal advice.
Private offer checklist
Put both offers on the same page.
Create a side-by-side comparison without entering personal information or sending anything to Basic Investor.
| Category | Offer A | Offer B | Verify |
|---|---|---|---|
| Salary and pay frequency | Write the amount | Write the amount | Written offer |
| Employer pension or savings contribution | Formula and maximum | Formula and maximum | Plan document |
| Health, dental and disability coverage | Coverage and exclusions | Coverage and exclusions | Benefits booklet |
| Paid time and flexibility | Days and conditions | Days and conditions | Policy or agreement |
| Learning, wellness and other support | Eligibility and limits | Eligibility and limits | Current policy |
Use placeholders or rounded values. Do not enter confidential employment documents into this public workbench.
Verify before acting
Benefits change with the plan and the person.
Consider your own priorities, cash flow, health needs, family situation and time horizon. Confirm current plan details with the employer, administrator or an appropriately qualified professional.
Primary reference: Financial Consumer Agency of Canada: Workplace pension plans. Reviewed July 24, 2026.