PTC Inc. 401(k) Review & Grade
PTC 401k Savings Plan
Boston, MAProfessional, Scientific & Technical Services2,504 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,533Employer $ per active participant
$13,184Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$856.0MNet plan assets, end of year
$225,907Average balance per account
Score breakdown
- Employer generosity30.0 / 5060th percentile for employer $ per participant
- Low cost23.7 / 2595th percentile for low admin cost vs. same-size plans
- Employee saving11.4 / 1576th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score68 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 60th |
| Lower admin cost | 95th |
| Employee saving | 76th |
| Peers that auto-enroll | 47% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- PTC put in about $3,533 per active participant, more than the typical peer ($2,951). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $8,847,424 |
| Participant (employee) contributions | $33,020,419 |
| Other contributions (incl. rollovers in) | $5,083,694 |
| Administrative expenses paid from the plan | $152,434 |
| Investment advisory & management fees | $62,500 |
| Other admin expenses | $458 |
| Benefits paid out | $112,065,609 |
| Net assets, start / end of year | $816.1M / $856.0M |
| Active participants, start / end of year | 2,559 / 2,450 |
| Participants with account balances | 3,789 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | RSM US LLP |
Largest service providers (Schedule C)
| Ubs Financial | $62,500 reported compensation |
| Adp LLC | $28,000 reported compensation |
| T Rowe Price RPS Inc | $23,997 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015193402NAL0005739137001, received 2025-10-15, EIN 04-2866152, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.