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.

Index Funds Are Indisputably Prudent 401(k) Investments - How to Pick a Lineup

By: Eric Droblyen
March 4th 2020
Index funds from providers like Vanguard, Fidelity, or Schwab make it easy for employers to meet their investment-related 401(k) fiduciary responsibilities
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401(k) Investing – Professional Advice is Easy to Access Today

By: Eric Droblyen
February 19th 2020
To afford retirement as soon as possible, 401(k) participants must invest appropriately. Today's professional investment advice options make doing so easy.
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Don’t Let Your 401(k) Provider Hide the Cost of Your Plan

By: Eric Droblyen
February 5th 2020
401(k) providers can charge different fees for comparable services and investments. To avoid excessive fees, employers must know the cost of their plan.
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401(k) Testing – Deadlines Employers Should Know

By: Eric Droblyen
January 22nd 2020
While a professional TPA usually completes 401k testing, employers must understand the deadlines that apply to test corrections and contribution deposits.
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The SECURE Act of 2019 – An Analysis of Key 401(k) Changes

By: Eric Droblyen
January 8th 2020
The SECURE Act of 2019 is the most extensive retirement plan legislation in over a decade. 401k sponsors and participants must understand its key changes.
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The Top Ten Frugal Fiduciary 401(k) Blogs of 2019

By: Eric Droblyen
December 25th 2019
Our top 10 blogs of 2019 are must-reads for small business 401(k) sponsors and participants. They cover plan administration, features, fees, and providers.
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How to Attribute Family Ownership When 401(k) Plan Testing

By: Eric Droblyen
November 27th 2019
Under the 401(k) family attribution rules, individuals are attributed the ownership of family members. These rules can greatly affect plan test results.
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The DOL Proposes New Electronic 401(k) Disclosure Rules

By: Eric Droblyen
November 13th 2019
The proposal would allow employers to electronically deliver 401(k) disclosures to plan participants by posting them to a website. This reform is overdue.
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How MEPs Signal a Broken 401(k) Industry

By: Eric Droblyen
October 30th 2019
Multiple Employer Plans (MEPs) are better for the 401(k) industry than retirement plan savers and sponsors. Small business owners should avoid them.
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3 Warning Signs Your 401(k) Provider is Ripping You Off

By: Eric Droblyen
October 16th 2019
If you’re a business owner, you must know how much your 401(k) plan costs because the consequences for paying excessive fees are high.
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