While agencies routinely urge their employees to take full advantage of the TSP—as does the TSP itself—the presentation says the Labor Department project targeted at major reasons employees don’t invest enough to maximize their matching contributions: “inattention and misperception, information overload and hassle factors and procrastination.” The emails showed the “concrete benefits of retirement savings” by emphasizing the potential for capturing additional contributions from the government; illustrated the “ease of changing contribution” by providing a link to how to do that online, with instructions on the few steps to follow; and prompted employees to act immediately, urging them to “start now by trying at least 5% this pay period.” The message added “Don’t worry, this decision isn’t final. You can change your contribution at any time.”