1. PERSONALIA

• Age: 27
• Education: Master's in Finance (Ma-na-Ma)
• Work experience : 2.5 years (Consulting/Finance)
• Civil status: Single
• Dependent people/children: None

2. EMPLOYER PROFILE

• Sector/Industry: Insurance
• Amount of employees: >10,000
• Multinational? Yes

3. CONTRACT & CONDITIONS

• Current job title: Early Careers Program - Underwriter Analyst
• Seniority: 0 years
• Official hours/week : 37/week
• Average real hours/week incl. overtime: +- 40/week
• Shiftwork or 9 to 5 (flexible?): 9 to 5
• On-call duty: Not applicable
• Vacation days/year: 35

4. SALARY

• Gross salary/month: €3017
• Net salary/month: €2076
• Netto compensation: €75
• Mobility budget/car/bike/...: Compensation of public transport (they refund the amount)
• 13th month (full? partial?): Full
• Meal vouchers: €8
• Ecocheques: Yes
• Group insurance (% salary/% employer): Yes, but unsure how much
• Other insurances: Hospital (it covers the remaining that the mutualiteit does not with health costs)
• Other benefits (bonuses, stocks options, ... ): €4700 Sign-in bonus + Annual bonus (linked to performance)

5. MOBILITY

• City/region of work: Brussels
• Distance home-work (km's/time): 1h
• How do you commute? Public Transport
• How is the travel home-work compensated: They refund the public transport cost (which is €48/month for me)
• Telework days/week: 2 days/week

6. OTHER

• How easy can you plan a day off: Easy I was told
• Is your job stressful? Sometimes (not so stressful compared to other finance fields)
• Education possibilities: Not necessarily stimulated; I have to ask
• Responsible for personnel (reports): 0

The reason of my post is that I doubt I have a good package, especially compared to my peers from my Masters. I started at this position recently, and during the negotiation process I now feel I played it a bit too amateurish; accepted immediately the first offer, and did not counteroffer. I felt I would have to play humble and accept the offer, especially since they offered the sign-in bonus upfront. But soon after I felt a bit fooled. Although I essentially have an entry position, it is clear I have previous experience that is relevant to the job, and I have skills above average entry-level, so that does not help me feel like I did a fair negotiation. On glassdoor, this same position has a €3200 average base salary.

In addition, I was expecting a better mobility package. Back then I had another offer on the table (but was a small company, with a lower base salary of €2700 which I renegotiated to €2885) which offered a package in line with the Belgian mobiliteitsbudget program. With this program, I would take the option of living close to the office and get net extra of €400 (other option could be taking a car). The rest was relatively the same, except for the sign-in bonus.