The first thing I'd like to see redressed is the TSP Match inequity. If you are a lard-ass civilian public servant drone, you get a TSP Match. If you are a high-speed CPT potentially sacrificing everything for his/her country, you are obviously inferior in value to the .gov types and are not good enough to deserve a TSP match.

I think you might find a direct correlation with good Officers/NCOs who plan for their futures through investment. It may not be a "tipping point" issue for retention, but it would definitely set the conditions for perceived equity.