Government employees are not eligible for the 401(k) plan but they have, instead, the Thrift Savings Plan which operates in an identical fashion and is subject to the same limitations.
BTW, whatever private retirement plan you have your heirs and assigns can benefit from it when you are dead. The federal employee CSRS/FERS plans die with the retiree.
You can work out the comparable actuarial value of that.
103 posted on 10/13/2011 6:11:02 PM PDT by muawiyah