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.
![Applying Jack Bogle’s Guiding Principle to 401(k) Provider Fees](https://www.employeefiduciary.com/hubfs/Bogle%20pic.jpg)
Applying Jack Bogle’s Guiding Principle to 401(k) Provider Fees
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
February 6th 2019
Jack Bogle's guiding principle was simple - costs matter. 401(k) participants should apply the same principle to 401(k) provider fees paid by their account.
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![How Compound Interest and Dollar Cost Averaging Reduce the Cost of Retirement](https://www.employeefiduciary.com/hubfs/How%20Compound%20Interest%20and%20Dollar%20Cost%20Averaging%20Reduce%20the%20Cost%20of%20Retirement%20%281%29.jpg)
How Compound Interest and Dollar Cost Averaging Reduce the Cost of Retirement
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
January 23rd 2019
Saving for retirement can seem futile when you can't afford to contribute much to a 401(k) plan. Compound interest and dollar cost averaging can help.
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![401(k) Contribution Deadlines – You Don’t Want to Miss Them!](https://www.employeefiduciary.com/hubfs/401%28k%29%20Contribution%20Deadlines%20%E2%80%93%20You%20Don%E2%80%99t%20Want%20to%20Miss%20Them!.jpg)
401(k) Contribution Deadlines – You Don’t Want to Miss Them!
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
January 9th 2019
When 401(k) contributions - employee or employer - are deposited late, there are consequences for employers. With some education, they are easily avoided.
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![The Top Ten Frugal Fiduciary 401(k) Blogs of 2018](https://www.employeefiduciary.com/hubfs/Untitled%20design.png)
The Top Ten Frugal Fiduciary 401(k) Blogs of 2018
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
December 26th 2018
Our top 10 blogs for 2018 are must-reads for small business 401(k) sponsors and participants. They cover plan administration, features, fees and providers.
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![2018 Small Business 401(k) Fee Study – What’s Too High?](https://www.employeefiduciary.com/hubfs/2018%20Small%20Business%20401%28k%29%20Fee%20Study%20%E2%80%93%20What%E2%80%99s%20Too%20High%3F.jpg)
2018 Small Business 401(k) Fee Study – What’s Too High?
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
November 28th 2018
Are my 401(k) fees too high?” is a common question asked by both plan sponsors and participants. Our small business fee study can give some perspective.
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![Calculating American Funds 401(k) Fees Using Their 408b-2](https://www.employeefiduciary.com/hubfs/Calculating%20American%20Funds%20401%28k%29%20Fees%20Using%20Their%20408b-2.jpg)
Calculating American Funds 401(k) Fees Using Their 408b-2
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
October 31st 2018
American Funds is one of the largest 401k providers in the nation. Their 408b-2 fee disclosure is also one of the worst. Here are steps for deciphering it.
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![Apathy is the #1 Source of 401(k) Liability – It’s Easy to Avoid](https://www.employeefiduciary.com/hubfs/Apathy%20is%20the%20%231%20Source%20of%20401%28k%29%20Liability%20%E2%80%93%20It%E2%80%99s%20Easy%20to%20Avoid.jpg)
Apathy is the #1 Source of 401(k) Liability – It’s Easy to Avoid
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
October 17th 2018
401(k) fiduciary responsibilities are manageable once they’re understood. The problem is many small businesses don’t make the effort.
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![TSP-like 401(k)s + Tax Credits = More Small Business Plans](https://www.employeefiduciary.com/hubfs/TSP-like%20401%28k%29s%20+%20Tax%20Credits%20=%20More%20Small%20Business%20Plans.jpg)
TSP-like 401(k)s + Tax Credits = More Small Business Plans
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
October 3rd 2018
Multiple Employers Plans (MEPs) are promoted as a way to expand small business retirement coverage. TSP-like 401ks and tax credits would do a better job
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![How Trump’s Executive Order on Retirement Plans Falls Short](https://www.employeefiduciary.com/hubfs/How%20Trump%E2%80%99s%20Executive%20Order%20on%20Retirement%20Plans%20Falls%20Short.jpg)
How Trump’s Executive Order on Retirement Plans Falls Short
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
September 19th 2018
Multiple Employer 401(k) Plans (MEPs) are not the answer for expanding small business retirement plan coverage. Other reforms would be more effective.
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![How to Total Paychex 401(k) Fees Using Their 408b-2 Disclosure](https://www.employeefiduciary.com/hubfs/How-Total-Paychex-401%28k%29-Fees-Using-Their-408b-2-Disclosure.jpg)
How to Total Paychex 401(k) Fees Using Their 408b-2 Disclosure
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
September 5th 2018
Paychex is one of the largest 401(k) providers in country. Their 408b-2 fee disclosure is also one of the worst. Here are 3 steps for deciphering it.
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