Kpff, Inc. 401(k) Review & Grade
Kpff, Inc. 401k Plan
Seattle, WAProfessional, Scientific & Technical Services1,308 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,908Employer $ per active participant
$9,479Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$219.6MNet plan assets, end of year
$127,253Average balance per account
Score breakdown
- Employer generosity23.6 / 5047th percentile for employer $ per participant
- Low cost18.4 / 2574th percentile for low admin cost vs. same-size plans
- Employee saving8.1 / 1554th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score53 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 47th |
| Lower admin cost | 74th |
| Employee saving | 54th |
| Peers that auto-enroll | 48% |
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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
- Kpff put in about $2,908 per active participant, below the typical peer ($3,082). 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.
- 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.
- 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 | $3,805,315 |
| Participant (employee) contributions | $12,402,634 |
| Other contributions (incl. rollovers in) | $450,295 |
| Administrative expenses paid from the plan | $206,628 |
| Contract administrator fees | $205,928 |
| Other admin expenses | $700 |
| Benefits paid out | $12,647,110 |
| Net assets, start / end of year | $186.9M / $219.6M |
| Active participants, start / end of year | 1,268 / 1,349 |
| Participants with account balances | 1,726 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Clark Nuber, PS |
Largest service providers (Schedule C)
| Bensler, LLC | $147,096 reported compensation |
| Voya Retirement Insurance & Annuity | $65,604 reported compensation |
| Randall & Hurley, Inc. | $32,366 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250903124511NAL0009416819001, received 2025-09-03, EIN 91-0755897, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.