How the High-3 Average Salary Affects Your Postponed Annuity Your FERS annuity is calculated based on your High-3 salary average, which is the average of your highest-paid consecutive three years of service. The longer you work, the higher your High-3 average may be, increasing your retirement benefits. If you postpone retirement, you might return to federal service later and potenti... https://www.federalpensionadvisors.com/post/fers-postponed-retirement