Texas Instruments Incorporated 401(k) Review & Grade
Ti Contribution and 401(k) Savings Plan
Dallas, TXManufacturing13,476 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$5,567Employer $ per active participant
$13,012Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$8.1BNet plan assets, end of year
$381,703Average balance per account
Score breakdown
- Employer generosity25.7 / 5051th percentile for employer $ per participant
- Low cost17.3 / 2569th percentile for low admin cost vs. same-size plans
- Employee saving11.1 / 1574th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score64 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 10,000+ active participants (151 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 51th |
| Lower admin cost | 69th |
| Employee saving | 74th |
| Peers that auto-enroll | 69% |
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
- Texas Instruments Incorporated put in about $5,567 per active participant, more than the typical peer ($5,480). 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $75,024,922 |
| Participant (employee) contributions | $175,349,501 |
| Other contributions (incl. rollovers in) | $9,513,938 |
| Administrative expenses paid from the plan | $4,028,425 |
| Contract administrator fees | $648,783 |
| Investment advisory & management fees | $2,612,873 |
| Benefits paid out | $551,008,700 |
| Net assets, start / end of year | $7.2B / $8.1B |
| Active participants, start / end of year | 13,777 / 13,175 |
| Participants with account balances | 21,269 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Ernst & Young LLP |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $1,598,401 reported compensation |
| Blackrock Inst. Trust Co. N.A. | $1,014,472 reported compensation |
| Fidelity Inv. Inst. Ops. Co., Inc. | $648,783 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250620100924NAL0002271139001, received 2025-06-20, EIN 75-0289970, plan #092, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.
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