"A federal retirement savings alternative may be attractive to some employers who currently maintain 401(k) plans. If it becomes popular -- if a lot of Americans begin using the TSP as their preferred retirement savings vehicle -- it may put pressure on companies that sponsor their own 401(k) to conform to the TSP's low-cost, passive investment style. If the TSP begins to attract really significant amounts of money, it will have an effect on the market as a whole, raising issues about government management of capital and capital formation."