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.
![A Common Sense 401(k) Reform - Retirement Labels and Receipts](http://www.employeefiduciary.com/hubfs/blog-files/401k-fees-2016.jpg)
A Common Sense 401(k) Reform - Retirement Labels and Receipts
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
July 15th 2015
Retirement labels and retirement receipts could save 401(k) investors billions each year.
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![Clarity in a Complex World? A 408b-2 Review](http://www.employeefiduciary.com/hubfs/images/complex-questions.jpg)
Clarity in a Complex World? A 408b-2 Review
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
July 1st 2015
401k fees disclosures are too complicated for the average 401k fiduciary.
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![The DOL’s Fiduciary Rule: Why Can’t Regulators do Simple?](http://www.employeefiduciary.com/hubfs/blog-files/maze.jpg)
The DOL’s Fiduciary Rule: Why Can’t Regulators do Simple?
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
June 17th 2015
DOL regulations make it difficult for small business 401k plan sponsors to meet their fiduciary responsibilities.
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![401(k) Participants Should Leave Investing to the Pros; Focus on Saving](http://www.employeefiduciary.com/hubfs/blog-files/saving-for-retirement.jpg)
401(k) Participants Should Leave Investing to the Pros; Focus on Saving
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
June 3rd 2015
401k participants should focus on savings when determining their retirement readiness. Leave 401k investing to professionals.
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![Is Conflict-Free Investment Advice More Expensive than Conflicted Advice?](http://www.employeefiduciary.com/hubfs/blog-files/conflict-of-interest.jpg)
Is Conflict-Free Investment Advice More Expensive than Conflicted Advice?
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
May 20th 2015
Opponents of the DOL Fiduciary Rule say conflict-free 401k investment advice is cost prohibitive; they are wrong.
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![“Bundling” 401(k) services with other corporate services can result in fiduciary liability](http://www.employeefiduciary.com/hubfs/blog-files/bundling-401k-services.jpg)
“Bundling” 401(k) services with other corporate services can result in fiduciary liability
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
May 6th 2015
Small business retirement plan sponsors have a duty to avoid conflicts of interest and self-dealing.
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![Watered-Down Fiduciary Rule May be the Best Case Scenario for Investors](http://www.employeefiduciary.com/hubfs/blog-files/watered-down-money.jpg)
Watered-Down Fiduciary Rule May be the Best Case Scenario for Investors
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
April 22nd 2015
DOL Releases Their Long-Awaited Fiduciary, or “Conflicts of Interest,” Rule.
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![Online 401(k) fee analyzers are a marketing gimmick; fiduciaries and participants should avoid them](http://www.employeefiduciary.com/hubfs/blog-files/evaluate-401k-fees.jpg)
Online 401(k) fee analyzers are a marketing gimmick; fiduciaries and participants should avoid them
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
April 8th 2015
It’s important for a 401k fiduciary and participants to understand the significant limitations of online 401k fee analyzers.
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![Beware of Surrender Charges and Other Extraordinary 401(k) Fees Charged by Insurance Companies](https://www.employeefiduciary.com/hubfs/blog-files/beware-surrender-charges.jpg)
Beware of Surrender Charges and Other Extraordinary 401(k) Fees Charged by Insurance Companies
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
March 25th 2015
Insurance company variable annuity products are bad for both small business retirement plan sponsors and 401k participants.
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![Jerry Schlichter Interviewed by Frontline; 401(k) Sponsors Should Take Note](https://www.employeefiduciary.com/hs-fs/hub/227641/file-2589582836-jpg/blog-files/401k-sponsors-300x194.jpg)
Jerry Schlichter Interviewed by Frontline; 401(k) Sponsors Should Take Note
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
March 11th 2015
Jerry Schlichter Interviewed on Frontline; Tibble vs. Edison case may change 401(k) investment monitoring standards.
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