[quote=bearishgurl]
I stand by my assertion that a FERS employee CAN approach 100% if they contribute the maximum for Agency Match (5%).
[/quote]

BG,
It’s basic math. Assuming someone who had worked for 30 years and is qualified for retirement. That individual, under FERS, would get about 30% (1% for each year of service) in replacement income from the “pension”. Do you really believe that an individual’s 401K/TSP account could replace or generate the other 70% of the “loss” income when someone retired? For how long?