The Frugal Fiduciary Small Business 401(k) Blog
Get the latest industry news, deadlines and tips you need to know to help tackle your fiduciary responsibility needs.
![Switching 401(k) Providers? What to Expect and Pitfalls to Avoid](https://www.employeefiduciary.com/hubfs/Switching%20401%28k%29%20Providers%3F%20What%20to%20Expect%20and%20Pitfalls%20to%20Avoid.jpg)
Switching 401(k) Providers? What to Expect and Pitfalls to Avoid
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
June 26th 2019
To lower your 401k fees, you may need to replace your plan provider. This move can seem daunting until you understand the process and the pitfalls to avoid.
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![Employers Must Avoid 401(k) Providers They Can't Understand](https://www.employeefiduciary.com/hubfs/blog-files/shutterstock_199186658.jpg)
Employers Must Avoid 401(k) Providers They Can't Understand
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
June 12th 2019
Avoiding 401k fiduciary liability can be easy. You just need a basic understanding of your fiduciary responsibilities and an easy-to-monitor plan provider.
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![The SECURE Act and RESA - the Good, the Bad, and the Ugly](https://www.employeefiduciary.com/hubfs/SECURE-Act-and-RESA.jpg)
The SECURE Act and RESA - the Good, the Bad, and the Ugly
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
May 29th 2019
Congress wants to expand workplace retirement plan coverage. The SECURE Act and RESA aim to do that. They offer 401(k) reform, but won't expand coverage.
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![401(k) Rollovers: When One is in Your Best Interest](https://www.employeefiduciary.com/hubfs/Untitled%20design-1.png)
401(k) Rollovers: When One is in Your Best Interest
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
May 15th 2019
After leaving a job, you must decide what to do with your 401(k) account. A rollover may or may not be in your best interest. Here's how to decide.
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![401(k) Mutual Funds – Pay Attention to Share Class!](https://www.employeefiduciary.com/hubfs/shutterstock_395918383.jpg)
401(k) Mutual Funds – Pay Attention to Share Class!
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
May 1st 2019
Mutual funds are often available in multiple share classes. To serve the best interest of 401k participants, the least expensive share class should be used.
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![It's Too Easy to Conceal 401k Fees – We Need 408b-2 Reform](https://www.employeefiduciary.com/hubfs/It%27s%20Too%20Easy%20to%20Conceal%20401k%20Fees%20%E2%80%93%20We%20Need%20408b-2%20Reform.jpg)
It's Too Easy to Conceal 401k Fees – We Need 408b-2 Reform
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
April 17th 2019
Fidelity is being accused of charging excessive, undisclosed 401(k) fees. Other providers obfuscate fees in 408b-2 disclosures. It's time for reform.
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![401(k) Investment Advice – Pros and Cons of the 3 Basic Forms](https://www.employeefiduciary.com/hubfs/asset%20allocation%20cropped.jpg)
401(k) Investment Advice – Pros and Cons of the 3 Basic Forms
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
April 3rd 2019
401(k) participants can receive professional investment advice from a mutual fund, financial advisor, or algorithm today. Each advice form has pros and cons
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![Small Business 401(k) Plan Design Study: What 3,975 401(k) Plans Are Doing](https://www.employeefiduciary.com/hubfs/Small%20Business%20401%28k%29%20Plan%20Design%20Study%20What%203,975%20401%28k%29%20Plans%20Are%20Doing.jpg)
Small Business 401(k) Plan Design Study: What 3,975 401(k) Plans Are Doing
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
March 20th 2019
The right 401(k) plan design can help a small business meet plan goals at the lowest possible cost. Our study summarizes the designs of 3,975 401(k) plans
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![Safe Harbor or Traditional 401(k) Plan – How to Decide](https://www.employeefiduciary.com/hubfs/Safe%20Harbor%20or%20Traditional%20401%28k%29%20Plan%20%E2%80%93%20How%20to%20Decide.jpg)
Safe Harbor or Traditional 401(k) Plan – How to Decide
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
March 6th 2019
Safe harbor 401(k) plans are the most popular type of 401(k) used by small businesses today, but they are not the best fit for every small business.
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![Hardship 401(k) Distributions – Frequently Asked Questions](https://www.employeefiduciary.com/hubfs/Hardship%20401%28k%29%20Distributions%20%E2%80%93%20Frequently%20Asked%20Questions.jpg)
Hardship 401(k) Distributions – Frequently Asked Questions
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
February 20th 2019
At first blush, the 401(k) hardship distribution rules can seem overwhelming. In truth, most can be understood with some basic education. Our FAQ can help.
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