Department of Labor filing
Spot something wrong?Raytheon Technologies 401(k) plan
UNITED TECHNOLOGIES CORPORATION EMPLOYEE SAVINGS PLAN · For the plan year ended Dec 31, 2024
Legal plan sponsor: RAYTHEON TECHNOLOGIES CORPORATION
Latest public filing 2024 · received Oct 13, 2025Current benefit source RTX Savings Plan — 2025 Form 11-K · dated Dec 31, 2025
Plan summary
Start with the match, vesting, and fees
Excellent
This looks excellent based on reviewed current plan terms. We have 6 of 7 key current terms documented. Keep checking the source links because plan rules can change.
Why: The employer match is competitive. You own the match immediately. The latest filing also shows more employer money than most similar plans.
82Benefit score
from current terms
from current terms
88Plan health
from public filings
from public filings
6/7Strong current-term coverage
documented
documented
See what drives the plan health score
Published only when at least four measures and half of the model weight are available. Missing information is excluded rather than scored as zero.
See what drives the benefit quality score
This separate score uses reviewed current terms only. It requires the employer contribution plus at least three other documented benefit measures. Missing terms are excluded, not treated as poor benefits.
RTX generally matches 100% of the first 3% contributed and 33.3% of contributions from 3% through 6%, for a maximum match of about 4% of eligible pay.
Check the source ↓Assumes you contribute enough to earn the full match (3% of pay). Eligibility and annual limits can change the amount.
Employee contributions are always fully vested.
The key document is the participant fee disclosure, especially fund expense ratios and account charges.
The plan offers bond and equity index funds, inflation-sensitive assets, RTX stock funds, thirteen target-date funds, a brokerage window, and a lifetime-income option.
Eligible employees can generally participate immediately upon employment; location-specific rules can differ.
Certain new participants are automatically enrolled at 6% of eligible pay, generally increasing by 1% annually until 10%.
Available. Participants may generally contribute on a pre-tax, traditional after-tax, and/or Roth 401(k) basis.
Up 54.0% over the filing history shown.
Participation up 107.2% · assets up 19.9% · loans 0.7% of assets
How this is calculated →See score distributions →Current terms to confirm: employee fees
These details are often kept in employee-only plan documents. We show them when there is a dated source clear enough to trust.
Before you enroll: confirm the match, vesting schedule, waiting period, and fees in the current plan documents. The filing history shows how the plan itself has changed.
Keep in mind: public filings do not show your personal investment returns. Missing information does not count against the plan. The documents supporting the current terms are linked below.
Need the raw filing detail?
The key takeaways are above. Open the full record when you want every number and source note.
Personalized estimate
What could Raytheon Technologies's contribution mean for you?
This uses the reviewed employer formula shown on this profile—not the plan-wide Form 5500 contribution average.
Estimated employer money$2,550/year
- Your annual contribution
- $2,550
- Possible maximum
- $2,550
- Potentially unclaimed
- $0
Contributing about 3% of eligible pay captures the documented maximum under this simplified estimate.
Vesting: Employee contributions are always fully vested. Employer matching contributions generally become fully vested after two years of continuous service; location-specific terms can differ.
Estimate only. Compensation limits, eligibility, true-ups, contribution timing, employee groups, and plan amendments can change the result. Confirm the current formula in your plan documents.
Filing comparison · 202482out of 100 among similar-size plans in the same industry when enough peers exist
How this filing compares
Reported employer contributions87th percentileTypical peer $3,153 · based on 121 comparable plans
Lower reported administrative expense72nd percentileTypical peer $70 · based on 111 comparable plans
This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.
Peer-group method: industry size. The comparison used the most specific peer group with enough valid filings.
The short version
What employees should know
For the year ended Dec 31, 2024, RAYTHEON TECHNOLOGIES CORPORATION reported $1,082,185,000 in employer contributions across this plan, or $8,775 per active participant. This is the best company-wide filing average available—not a promise of what any one employee receives.
Up 107.2% across the filing years shown. The filing does not report every employee who was eligible.
Change in employer contributions per active participant.
Change in reported administrative cost per participant. Fund expenses may be separate.
Compared with similarly sized plans in the same industry.
Money and scale
Contributions, assets, and expenses
These are plan-wide totals. They are not individual account balances.
- Employer contributions
- $1,082,185,000 $8,775 per active participant
- Participant contributions
- $1,725,789,000
- Other contributions
- Not reported Amounts not classified as employer or participant contributions
- Employer share of contributions
- 38.5%
- Active participants
- 123,327 Very large plan
- Total participants
- 214,241 217,393 at the beginning of the year
- Ending assets
- $58,647,425,000 $273,745 per participant
- Net-asset change
- Up 19.9% Not the same as investment performance
- Beginning net assets
- $52,747,724,000
- Ending net assets
- $58,636,888,000
- Beginning liabilities
- $12,060,000
- Ending liabilities
- $10,537,000
- Total income
- $10,870,900,000
- Total expenses
- $4,981,736,000
- Administrative expenses
- $9,889,000 $45 per active participant
- Participant loans
- $391,810,000 0.7% of plan assets
Three-year filing history
How the reported figures changed
Each chart uses the selected public filing for that year. Missing values remain blank rather than becoming zero.
2022
$5,697
2023
$7,944
2024
$8,775
2022
$28
2023
$37
2024
$45
2022
59,521
2023
124,224
2024
123,327
2022
$48,916,975,000
2023
$52,759,784,000
2024
$58,647,425,000
2022
0.7%
2023
0.7%
2024
0.7%
| Plan year | Employer money per active participant | Active participants | Plan assets |
|---|---|---|---|
| 2024 | $8,775 | 123,327 | 58.6B |
| 2023 | $7,944 | 124,224 | 52.8B |
| 2022 | $5,697 | 59,521 | 48.9B |
Changes in plan assets are not the same as investment performance.
Plan health
Loans, late deposits, and other filing disclosures
- Participant loans as a share of plan assets
- 0.7%
- Independent accountant’s opinion
- Unqualified opinion Code 1
- Late participant contributions reported
- Not reportedA “yes” needs context and is not, by itself, proof of wrongdoing.
- Loan defaults reported
- 0
- Lease defaults reported
- 0Only a small number of filings report these events.
- Nonexempt transactions reported
- 0
- Public plan identifier
- 060570975-017
Insurance and supporting schedules
Additional arrangements reported
These disclosures add context. They should not be read as a score or a judgment on their own.
- Additional paid service providers
- 2$9,822,000 in separately reported direct compensation
- Pooled investment entities
- 1$58,255,615,000 reported at year end
Reported plan details
Identity and filing status
- Plan type
- Retirement plan
- Employer arrangement
- Single-employer plan
- Plan effective date
- Jul 1, 1978
- Industry
- Industry group 336
- Amended filing
- No
- Final filing for this plan
- No
- Short plan year
- No
- 401(k) feature reported
- Yes
Show DOL characteristic codes
2E2F2H2J2K2P3H
Current plan terms
What the source documents say
Each item below comes from the dated source linked in this section. Anything the source does not establish is left blank.
- Employer contribution
- RTX generally matches 100% of the first 3% contributed and 33.3% of contributions from 3% through 6%, for a maximum match of about 4% of eligible pay. Terms can vary by employee location.
- Eligibility
- Eligible employees can generally participate immediately upon employment; location-specific rules can differ.
- Vesting
- Employee contributions are always fully vested. Employer matching contributions generally become fully vested after two years of continuous service; location-specific terms can differ.
- Investment information
- The plan offers bond and equity index funds, inflation-sensitive assets, RTX stock funds, thirteen target-date funds, a brokerage window, and a lifetime-income option. The Lifetime Income Strategy is the default investment.
- Automatic enrollment
- Certain new participants are automatically enrolled at 6% of eligible pay, generally increasing by 1% annually until 10%. Employees can opt out, and terms can vary by location.
- Roth contributions
- Available. Participants may generally contribute on a pre-tax, traditional after-tax, and/or Roth 401(k) basis.
Not covered by the source: 1 item
participant fees. Check the latest summary plan description or enrollment materials for these details.
Source: RTX Savings Plan — 2025 Form 11-K ↗ · dated Dec 31, 2025
Filing evidence
Open the selected public records
We use the latest valid received filing for each year after resolving amendments and duplicate records. Open the source to check the original filing.
Quick answers
Raytheon Technologies 401(k) questions
What is Raytheon Technologies's 401(k) match?
The reviewed current source says: RTX generally matches 100% of the first 3% contributed and 33.3% of contributions from 3% through 6%, for a maximum match of about 4% of eligible pay. Terms can vary by employee location.
How much employer money did Raytheon Technologies report adding?
For 2024, the selected filing reports $1,082,185,000 in employer contributions, or $8,775 per active participant. This is a plan-level historical figure, not a personal match quote.
What is Raytheon Technologies's 401(k) vesting schedule?
The reviewed current source says: Employee contributions are always fully vested. Employer matching contributions generally become fully vested after two years of continuous service; location-specific terms can differ.
What are Raytheon Technologies's 401(k) fees?
The 2024 filing reports $45 in administrative cost per active participant. Fund expenses and employee-level charges may require a current fee disclosure.
Can I use this page to compare Raytheon Technologies with another job offer?
Yes, as a starting point. Compare the documented match, vesting, eligibility, fees, investments, and the filing history, then confirm the current terms before assigning a dollar value to an offer.
Filing ACK_ID20251013222127NAL0000968995001
Data sourceDOL Form 5500 bulk data ↗
Filing searchEFAST2 ↗