401k Record

Employers › Caterpillar

Caterpillar 401(k)

Recordkeeping fees per participant · largest plan, Caterpillar 401(k) Savings Plan · plan year 2024

$24.29

Higher than 32% of the 790 plans over $1B that report it.

Source

= $1,436,587 / 59,142
Schedule H, line 2i(3); OTH_RECORDKEEPING_FEES_AMT pos 160; filing 20250729123537NAL0001603043001, received 2025-07-29
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250729123537NAL0001603043001, received 2025-07-29

10th: $6.72median $34.2890th: $56.58

Percentiles compare this plan with the Schedule H plans over $1B in assets of the same plan year, excluding final filings; shown only where at least 50 comparable plans report the figure. Plan year 2024-01-01 to 2024-12-31, filing received 2025-07-29.

Largest plan, all six figures: Caterpillar 401(k) Savings Plan

Recordkeeping fees per participantheadline

$24.29

10th: $6.72median $34.2890th: $56.58

Higher than 32% of the 790 plans over $1B that report it.

Source

= $1,436,587 / 59,142
Schedule H, line 2i(3); OTH_RECORDKEEPING_FEES_AMT pos 160; filing 20250729123537NAL0001603043001, received 2025-07-29
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250729123537NAL0001603043001, received 2025-07-29

Administrative expenses excluding investment management, per participant

$55.50

10th: $9.43median $44.4790th: $97.55

Higher than 66% of the 1,045 plans over $1B that report it.

Source

= $3,282,584 / 59,142
derived, admin_expenses (2i(12)) minus invst_mgmt_fees (2i(5)), floored at 0; filing 20250729123537NAL0001603043001, received 2025-07-29
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250729123537NAL0001603043001, received 2025-07-29

Administrative expenses per participant

$138.74

10th: $24.33median $70.0390th: $174.36

Higher than 85% of the 1,076 plans over $1B that report it.

Source

= $8,205,536 / 59,142
Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20250729123537NAL0001603043001, received 2025-07-29
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250729123537NAL0001603043001, received 2025-07-29

Administrative expenses as a share of assets

0.044%

10th: 0.013%median 0.046%90th: 0.111%

Higher than 47% of the 1,076 plans over $1B that report it.

Source

= $8,205,536 / $18,812,004,780
Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20250729123537NAL0001603043001, received 2025-07-29
assets_eoy: Schedule H, Part I line 1f col (b); TOT_ASSETS_EOY_AMT pos 61; filing 20250729123537NAL0001603043001, received 2025-07-29

Employer contributions per participant

$8,235

10th: $1,442median $3,74490th: $8,760

Higher than 88% of the 1,135 plans over $1B that report it.

Source

= $487,040,710 / 59,142
Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20250729123537NAL0001603043001, received 2025-07-29
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250729123537NAL0001603043001, received 2025-07-29

Employer share of total contributions

49.7%

10th: 19.8%median 33.4%90th: 47.5%

Higher than 93% of the 1,135 plans over $1B that report it.

Source

= $487,040,710 / $979,778,904
Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20250729123537NAL0001603043001, received 2025-07-29
total_contrib: Schedule H, line 2a(3); TOT_CONTRIB_AMT pos 72; filing 20250729123537NAL0001603043001, received 2025-07-29

91.2% of this plan's assets are held in a master trust. Costs reported at the trust level and allocated by the plan's share: administrative expenses $15,507,842 ($400.96 per participant including the plan's own Schedule H). Benchmarks and percentiles use the plan's own Schedule H only.

Plan terms, as stated in Caterpillar Inc.'s SEC filings

Employer match

“All Plan participants are eligible for employer matching contributions equal to 50 percent of the participant's 401(k) contributions and after-tax contributions up to a maximum of 6 percent of eligible compensation.”

Form 11-K filed 2026-06-25, for the year ended 2025-12-31 · plan description note, contributions · source document

Vesting

“Employer matching contributions, employer non-elective contributions and the related earnings fully vest after being credited with three years of service with Progress Rail.”

Form 11-K filed 2026-06-25, for the year ended 2025-12-31 · plan description note, vesting · source document

Terms quoted from the filing for the year ended 2025-12-31. Figures cover plan year 2024. The plan document governs.

Plans sponsored

PlanAssetsParticipants with a balanceHeadlineYear
Caterpillar 401(k) Savings Plan$18,812,004,78059,142 $24.29 recordkeeping fees per participant2024
Caterpillar Inc. Tax Deferred Retirement Plan$748,925,1759,794 $21.25 recordkeeping fees per participant2024
Caterpillar Global Mining Legacy Hourly Employees' Savings Plan$51,487,173489 $19.26 recordkeeping fees per participant2024

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Sponsor name as filed: CATERPILLAR INC.; SEC registrant: CATERPILLAR INC (CIK 18230, matched by EIN; display name from the Form 11-K cover).