Lamont, the fed contribute 1:1, there has never been contributions at high multiples. Why make these statements you know are untrue?
80% of pensions come from investment returns, as a quick read of any independently auditted DB plan will show you. Contributing $9k for 35 yrs= 315k, 5 times this is 1.5mill which is plenty for a $40k pension.
Posting fake numbers fools nobody - except you