I'm pretty crappy at math, but if I'm doing this right, it looks like a typical Officer going to 20 is going to net (doing the bare minimum with 5% investment + 5% matching) somewhere between 20-30 grand in his TSP account, assuming TSP returns between 5% - 10%.
At 40% of his O-5 $99k base pay....
I don't think you are acquitting yourself well in the math department. Are you talking about just money made or the are you including the 5% matching as well? Because the 5% matching should be included in that total but I don't think you are counting it. Also, that would just be what the investment would have made by the time your retired at 20, what about the money it makes before you can start withdrawing it?