Ttec Services Corporation 401(k) Review & Grade
Ttec 401(k) Profit Sharing Plan
Greenwood Village, COProfessional, Scientific & Technical Services21,334 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$441Employer $ per active participant
$1,443Employee $ saved per active participant
0.26%Direct admin cost, % of plan assets
$344.2MNet plan assets, end of year
$28,899Average balance per account
Score breakdown
- Employer generosity9.4 / 5019th percentile for employer $ per participant
- Low cost3.0 / 2512th percentile for low admin cost vs. same-size plans
- Employee saving2.0 / 1513th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score24 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 10,000+ active participants (70 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 19th |
| Lower admin cost | 12th |
| Employee saving | 13th |
| Peers that auto-enroll | 39% |
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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
- Ttec Services put in about $441 per active participant, below the typical peer ($2,932). Any match is still an instant return, so contribute enough to get all of it.
- 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.
- Direct plan expenses (0.26% of assets) are well above similar-size plans (0.09%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $9,404,116 |
| Participant (employee) contributions | $30,781,116 |
| Other contributions (incl. rollovers in) | $1,664,574 |
| Administrative expenses paid from the plan | $860,502 |
| Investment advisory & management fees | $1,416 |
| Other admin expenses | $58,000 |
| Benefits paid out | $57,556,846 |
| Net assets, start / end of year | $318.5M / $344.2M |
| Active participants, start / end of year | 23,163 / 19,505 |
| Participants with account balances | 11,912 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Eide Bailly LLP |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $773,586 reported compensation |
| Cook Street Consulting | $57,500 reported compensation |
| Eidebailly LLP | $27,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014085846NAL0005182178001, received 2025-10-14, EIN 84-1366615, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.