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Steve, I'm confused too although I think I may have an explanation. You math looks right. Bottom line up front, my advice is that you contact DFAS to find out if an audit has been requested by VA. This is now (usually) standard procedure with retired Vets owed retro. My thinking is that there is some kind of accounting yet to be done.

2010-2011 payments are no longer accurate - you were getting 20% but based on the new decision, it should have been 100%. This affects things in two ways, the reduced retirement pay that now has to be (1) restored, (2) then deducted at the 100% rate, (3) then paid back at the corresponding CRDP rate for the applicable years. VA accomplishes this not by "going back in time" to put things as they should have been, that's impossible, but they can do it via an audit. DFAS is the auditor.

So DFAS collaborates with VA in determining how much back pay you are due and who is responsible to pay it (some of it may be DFAS's responsibility, other portions VA's). My thinking is that you are undergoing an audit. I don't know if this is what happened but it could be that VA paid an initial amount of retro with the rest to be paid at the end of the audit.

VA and DFAS have to look at all the previous payments, consider what you should have received, deduct what you did receive (just like the math you already have done) and then decide who owes you what. I am sure that you will have more retro coming after an audit is done. Again, my suspicion is that in order to prevent an overpayment, they've only given you partial retro, the remainder to be paid pending completion of the audit.

I could be way off base but that is the only thing that makes sense to me.