I’m from England valor da aciclovir pomada For example, members of Congress have access to the federal Thrift Savings Plan. The federal government matches contributions up to 5 percent, in addition to a 1 percent giveaway whether or not the employee contributes. The expense ratio of the TSP in 2012 was just 0.03 percent, an improvement from the expense ratios paid by 401(k) investors for equity funds. That’s 0.63 percent, according to the Investment Company Institute. The average private sector employer match is just 4.1 percent. The TSP is on top of pensions congresspeople get.