# 5 C.F.R. § 841.404 (2026): Demographic factors

> Federal · Regulations · In force

URL: https://www.frixlaw.com/law-library/statutes/CFR_T5_P841_S841_404

## Section

- **Citation:** 5 C.F.R. § 841.404 (2026)
- **Heading:** Demographic factors
- **Jurisdiction:** Federal
- **Kind:** Regulations
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** Title 5 CFR: Administrative Personnel / Chapter I: OFFICE OF PERSONNEL MANAGEMENT / Part 841: FEDERAL EMPLOYEES RETIREMENT SYSTEM—GENERAL ADMINISTRATION / Subpart D: Government Costs / § 841.404: § 841.404   Demographic factors.

## Text

(a) The Office of Personnel Management (OPM) will consider the factors listed below in determining normal cost percentages. To the extent data are available for the factor by specific category of employees, such data will be used. To the extent category specific data are not available, the most relevant available data will be used.
(1) Distributions of new entrants by age, sex, and service;
(2) Withdrawal rates;
(3) Merit salary increases;
(4) Voluntary retirement rates;
(5) Involuntary retirement rates;
(6) Disability retirement rates;
(7) Employee death rates;
(8) Military service rates;
(9) Family characteristics for employees;
(10) Death rates for non-disability annuitants;
(11) Death and recovery rates for disability annuitants;
(12) Child survivor termination and death rates;
(13) Family characteristics for annuitants; and
(14) Administrative expenses.
(b) Generally, each rate, ratio, or fraction must be separately considered to determine the rates for males and their survivors and the rates for females and their survivors, except those rates for child survivors and merit salary increases.

## Nearby sections

- [5 C.F.R. § 841.401 (2026) § 841.401   Purpose and scope.](https://www.frixlaw.com/law-library/statutes/CFR_T5_P841_S841_401.md)
- [5 C.F.R. § 841.402 (2026) § 841.402   Definitions.](https://www.frixlaw.com/law-library/statutes/CFR_T5_P841_S841_402.md)
- [5 C.F.R. § 841.403 (2026) § 841.403   Categories of employees for computation of normal cost percentages.](https://www.frixlaw.com/law-library/statutes/CFR_T5_P841_S841_403.md)
- [5 C.F.R. § 841.404 (2026) § 841.404   Demographic factors.](https://www.frixlaw.com/law-library/statutes/CFR_T5_P841_S841_404.md)
- [5 C.F.R. § 841.405 (2026) § 841.405   Economic assumptions.](https://www.frixlaw.com/law-library/statutes/CFR_T5_P841_S841_405.md)
- [5 C.F.R. § 841.406 (2026) § 841.406   Determination of normal cost percentages.](https://www.frixlaw.com/law-library/statutes/CFR_T5_P841_S841_406.md)
- [5 C.F.R. § 841.407 (2026) § 841.407   Notice of normal cost percentage determinations.](https://www.frixlaw.com/law-library/statutes/CFR_T5_P841_S841_407.md)
- [5 C.F.R. § 841.408 (2026) § 841.408   Effective date of normal cost percentages.](https://www.frixlaw.com/law-library/statutes/CFR_T5_P841_S841_408.md)
- [5 C.F.R. § 841.409 (2026) § 841.409   Agency right to appeal normal cost percentage.](https://www.frixlaw.com/law-library/statutes/CFR_T5_P841_S841_409.md)
- [5 C.F.R. § 841.410 (2026) § 841.410   Contents of petition for appeal of normal cost percentage.](https://www.frixlaw.com/law-library/statutes/CFR_T5_P841_S841_410.md)
- [5 C.F.R. § 841.411 (2026) § 841.411   Appeals procedure for normal cost percentage.](https://www.frixlaw.com/law-library/statutes/CFR_T5_P841_S841_411.md)
- [5 C.F.R. § 841.412 (2026) § 841.412   Rates determined by appeal.](https://www.frixlaw.com/law-library/statutes/CFR_T5_P841_S841_412.md)
- [5 C.F.R. § 841.413 (2026) § 841.413   Determinations of amount due from each agency.](https://www.frixlaw.com/law-library/statutes/CFR_T5_P841_S841_413.md)
- [5 C.F.R. § 841.414 (2026) § 841.414   Computation of the supplemental liability.](https://www.frixlaw.com/law-library/statutes/CFR_T5_P841_S841_414.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/CFR_T5_P841_S841_404. Check the current official text before relying on it. Not legal advice.