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.
![Unpacking the Complex Web of Insurance Company 401(k) Fees](https://www.employeefiduciary.com/hubfs/insurance-company-401k-fees-900068-edited.jpg)
Unpacking the Complex Web of Insurance Company 401(k) Fees
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
March 21st 2018
All insurance company 401(k) providers - including John Hancock, Empower, Voya, Principal – charge hidden fees. Plan fiduciaries must be able to evaluate them.
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![The 401(k) Form 5500 – Frequently Asked Questions (FAQ)](https://www.employeefiduciary.com/hubfs/blog-files/the-401k-form-5500-frequently-asked-questions-faq.jpg)
The 401(k) Form 5500 – Frequently Asked Questions (FAQ)
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
March 7th 2018
The Form 5500 discloses 401(k) plan information to the Federal government and plan participants. Employers must understand their plan's filing requirements.
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![401(k) Plan Compensation – What Employers Need to Know](https://www.employeefiduciary.com/hubfs/shutterstock_553395220.jpg)
401(k) Plan Compensation – What Employers Need to Know
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
February 21st 2018
A 401k plan can require multiple definitions of employee compensation. To keep their plan in legal compliance, employers must understand all of them.
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![401(k) Admin Fees – The Benefits to Business Owners That Pay Them](https://www.employeefiduciary.com/hubfs/1-24-2018.jpg)
401(k) Admin Fees – The Benefits to Business Owners That Pay Them
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
January 24th 2018
Small business owners earn four valuable benefits when they pay their 401k administration fees from a corporate bank account instead of plan assets.
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![Are Profit Sharing Contributions Right for Your 401(k) Plan?](https://www.employeefiduciary.com/hubfs/shutterstock_478129501-1-1-1.jpeg)
Are Profit Sharing Contributions Right for Your 401(k) Plan?
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
January 10th 2018
Pro rata, permitted disparity, and new comparability are types of 401k profit sharing contributions. Employers should know if they’re right for their plan.
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![The Top Ten Frugal Fiduciary 401(k) Blogs of 2017](https://www.employeefiduciary.com/hubfs/12.27.17.jpg)
The Top Ten Frugal Fiduciary 401(k) Blogs of 2017
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
December 27th 2017
Our top 10 blogs for 2017 are must-reads for small business 401k sponsors and participants. They cover retirement plan features, fees and 401k providers.
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![Why Multiple Employer 401(k) Plans are Obsolete Today](https://www.employeefiduciary.com/hubfs/shutterstock_552276910.jpg)
Why Multiple Employer 401(k) Plans are Obsolete Today
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
December 13th 2017
Supporters of Multiple Employer Plans (MEPs) claim these 401ks lower plan fees and fiduciary liability for small businesses. Neither claim is true.
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![Worried Your 401(k) Pays Hidden Fees? Answer 2 Questions to Find Out](https://www.employeefiduciary.com/hubfs/shutterstock_440745115.jpg)
Worried Your 401(k) Pays Hidden Fees? Answer 2 Questions to Find Out
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
November 29th 2017
Employers have a fiduciary responsibility to pay only reasonable fees from 401k plan assets. Avoid hidden 401k fees to make this job as easy as possible.
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![3-Step Guide for Employers to Select and Monitor 401(k) Index Funds](https://www.employeefiduciary.com/hubfs/blog-files/3-step-guide-for-employers-to-select-and-monitor-401k-index-funds-1.jpg)
3-Step Guide for Employers to Select and Monitor 401(k) Index Funds
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
November 1st 2017
Index funds make it possible for 401(k) plan sponsors to replace an Investment Policy Statement (IPS) with a 3-step fund selection and monitoring process.
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![Top 10 401(k) Mistakes Found in the IRS Voluntary Compliance Program](https://www.employeefiduciary.com/hubfs/blog-files/top-10-401k-mistakes-found-in-the-irs-voluntary-compliance-program1-987000-edited.jpg)
Top 10 401(k) Mistakes Found in the IRS Voluntary Compliance Program
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
October 18th 2017
Severe consequences can result when a 401(k) plan fails to meet one or more of the plan qualification requirements – including IRS penalties for the employer.
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