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.
![DOL’s Fiduciary Rule Advances to OMB; Not Everyone is Happy about It](https://www.employeefiduciary.com/hs-fs/hub/227641/file-2589582776-jpg/blog-files/fiduciary-rule-300x200.jpg)
DOL’s Fiduciary Rule Advances to OMB; Not Everyone is Happy about It
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
March 4th 2015
Why the DOL’s Fiduciary Rule is good news for small business retirement plans.
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![Target Monthly Income and not an Account Balance When Saving for Retirement](https://www.employeefiduciary.com/hs-fs/hub/227641/file-2589582731-jpg/blog-files/saving-for-retirement-300x200.jpg)
Target Monthly Income and not an Account Balance When Saving for Retirement
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
February 25th 2015
Income replacement should be the target when saving for retirement
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![Evaluating 401(k) Providers: Separating Commodity from Value-Added Services](https://www.employeefiduciary.com/hubfs/Evaluating%20401k%20Providers%20Separating%20Commodity%20from%20Value-Added%20Services.jpg)
Evaluating 401(k) Providers: Separating Commodity from Value-Added Services
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
February 10th 2015
When shopping 401k providers for your small businesses retirement plan, it's important to separate commodity from value-added services.
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![NAPA stakes a position against the DOL’s fiduciary rule](https://www.employeefiduciary.com/hs-fs/hub/227641/file-2589582571-jpg/blog-files/napa-dol.jpg)
NAPA stakes a position against the DOL’s fiduciary rule
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
January 26th 2015
NAPA is missing the point of a fiduciary rule. DOL is saying it’s too easy for unscrupulous or incompetent brokers to steer investors to products with higher fees.
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![Keeping my Fingers Crossed for 401(k) Reform in Tonight’s SOTU Address](https://www.employeefiduciary.com/hs-fs/hub/227641/file-2589582496-jpg/blog-files/sotu-401k-reform.jpg)
Keeping my Fingers Crossed for 401(k) Reform in Tonight’s SOTU Address
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
January 20th 2015
Small business retirement plan reform in 2015 State of the Union address. Hopefully a fiduciary standard to 401(k) savers are clear, conflict-fee advice at reasonable fees
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![MyRAs are not the answer for expanding retirement plan coverage](https://www.employeefiduciary.com/hs-fs/hub/227641/file-2589582446-jpg/blog-files/401k_nest_egg.jpg)
MyRAs are not the answer for expanding retirement plan coverage
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
January 6th 2015
MyRAs not yet a strong alternative for small business retirement plans. The President and Congress need to work together to give workers more options.
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![New Year’s Resolution # 1 for Fiduciaries – “I WILL Evaluate My 401(k) Plan Fees](https://www.employeefiduciary.com/hs-fs/hub/227641/file-2589582346-jpg/blog-files/401k-fees-2015.jpg)
New Year’s Resolution # 1 for Fiduciaries – “I WILL Evaluate My 401(k) Plan Fees"
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
December 30th 2014
ERISA requires 401(k) sponsors, and any other fiduciary, to ensure that the services provided to their plan are necessary with fair 401(k) Plan Fees
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![Why All Employers Should Know their “All-In” 401(k) Fee](https://www.employeefiduciary.com/hubfs/shutterstock_127456451-min.jpg)
Why All Employers Should Know their “All-In” 401(k) Fee
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
August 28th 2014
Breaking down the individual factors of a 401(k) plan is overwhelming. Instead, we recommend an All-In 401(k) fee that provides a single, total price.
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