1 Corinthians 3 is talking about the work of building the body of believers. Whether they are building and adding strong Christians based in the word of God understanding and standing strong in the faith or if they are simply adding those who only get fed the milk of the faith. Those who are fed the “meat” of the faith become strong in the faith and last but those who are weak in the faith can fall away when tempted. It’s not talking about personal works.
That same comment has been made about Phil 2:12-13. Maybe so, but my gut says, "It's ALL personal."
Not exclusively, it says "the fire shall try every man's work" and does not say "every man's work in building the body of believers". Further, whoever it is that is being tested he "suffers loss but is himself saved". Where is your first-class ticket now? His luggage got lost?