Thornton Tomasetti, Inc. 401(k) Review & Grade
Thornton Tomasetti, Inc. 401(k) Profit Sharing Plan
New York, NYProfessional, Scientific & Technical Services1,184 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,407Employer $ per active participant
$12,902Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$468.6MNet plan assets, end of year
$267,760Average balance per account
Score breakdown
- Employer generosity34.4 / 5069th percentile for employer $ per participant
- Low cost21.0 / 2584th percentile for low admin cost vs. same-size plans
- Employee saving11.9 / 1580th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score70 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 69th |
| Lower admin cost | 84th |
| Employee saving | 80th |
| Peers that auto-enroll | 48% |
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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
- Thornton Tomasetti put in about $4,407 per active participant, more than the typical peer ($3,082). 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 | $5,218,302 |
| Participant (employee) contributions | $15,275,626 |
| Other contributions (incl. rollovers in) | $2,038,326 |
| Administrative expenses paid from the plan | $265,356 |
| Contract administrator fees | $600 |
| Investment advisory & management fees | $157,114 |
| Benefits paid out | $23,697,307 |
| Net assets, start / end of year | $389.1M / $468.6M |
| Active participants, start / end of year | 1,131 / 1,237 |
| Participants with account balances | 1,750 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cohnreznick LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $108,467 reported compensation |
| Raymond James & Associates Inc | $100,000 reported compensation |
| Strategic Advisors, Inc. | $57,114 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015160653NAL0002722803001, received 2025-10-15, EIN 13-1251070, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.