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.
![Vesting Schedules – Everything You Need to Know](https://www.employeefiduciary.com/hubfs/401%28k%29%20Vesting%20Schedules%20-%20Everything%20You%20Need%20To%20Know-1.jpg)
Vesting Schedules – Everything You Need to Know
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
July 1st 2021
As a 401(k) participant, understanding your vesting schedule is crucial. Learn what you need to know in this short guide.
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![401(k) Rollovers - How to Evaluate Your Options](https://www.employeefiduciary.com/hubfs/retirementpigs.jpeg)
401(k) Rollovers - How to Evaluate Your Options
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
June 23rd 2021
401(k)s and IRAs can offer wide-ranging investments, fees, and features. Making a bad rollover decision can set your retirement back years.
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![401(k) Earned Income – What Employers Need to Know](https://www.employeefiduciary.com/hubfs/earnedincome.jpg)
401(k) Earned Income – What Employers Need to Know
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
June 9th 2021
401(k) plans must allocate and test the contributions made to self-employed individuals using a special definition of plan compensation called earned income.
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![Is Your Company Part of a Controlled Group? You Need to Know or Risk 401(k) Plan Disqualification](https://www.employeefiduciary.com/hubfs/blog-files/is-your-company-part-of-a-controlled-group-you-need-to-know-or-risk-401k-plan-disqualification.jpg)
Is Your Company Part of a Controlled Group? You Need to Know or Risk 401(k) Plan Disqualification
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
May 26th 2021
IRS controlled group rules often obligate 2 or more employers with common ownership to cover their employees with the same 401k plan in order to pass annual nondiscrimination testing.
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![How Much Lower 401(k) Fees Can Grow Your Retirement Savings](https://www.employeefiduciary.com/hubfs/wealthpic.jpeg)
How Much Lower 401(k) Fees Can Grow Your Retirement Savings
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
May 12th 2021
Cost matters a LOT when saving for retirement. Even 401(k) fee small reductions today can mean much higher account balances for participants in retirement.
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![401(k) Fee Study: 75% of Small Business Plans Pay Hidden Fees](https://www.employeefiduciary.com/hubfs/keepmore.jpeg)
401(k) Fee Study: 75% of Small Business Plans Pay Hidden Fees
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
April 28th 2021
“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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![Starting a 401(k)? A Short Initial Plan Year is Probably a Bad Idea](https://www.employeefiduciary.com/hubfs/measuringtape.jpg)
Starting a 401(k)? A Short Initial Plan Year is Probably a Bad Idea
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
April 14th 2021
401(k) plans must define a plan year cycle for annual administration. Most new plans should avoid a short plan year for first year administration.
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![Design a 401(k) Plan Like a Pro in 6 Steps](https://www.employeefiduciary.com/hubfs/atob.jpg)
Design a 401(k) Plan Like a Pro in 6 Steps
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
March 31st 2021
Expert 401(k) plan design can help small business owners meet their plan goals for thousands less. The process can be completed in 30 minutes or less.
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![How to Lobby Your Employer for a Better 401(k) Plan](https://www.employeefiduciary.com/hubfs/shutterstock_2089448020%20%281%29.jpg)
How to Lobby Your Employer for a Better 401(k) Plan
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
March 17th 2021
401(k) plans with top investments and no admin fees can help you retire years sooner by delivering much higher returns. Here's how to lobby for such a plan.
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![The Benefits of a 401(k) Plan for Employers and Employees](https://www.employeefiduciary.com/hubfs/shutterstock_699167446.jpg)
The Benefits of a 401(k) Plan for Employers and Employees
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
March 3rd 2021
When a small business offers a 401(k) plan, it’s often a win-win for business owners and employees. Here are some of the top benefits of these plans.
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