PTC estimates seems to usually be on the bare minimum of hours to do something. Eg. "5 hours to get such and such" is usually the best case scenario, where it usually takes 8-10. My guess is this is where the overshoot in pricing will come from, it all adds up.
Also it looks like maybe the price or the exams and tests aren't included there? Sitting the ATPLs is 1500eur approx and each flight test is around 500eur.