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.

'Hidden' 401(k) Fees – What Business Owners Need to Know

By: Eric Droblyen
January 6th 2021
Hidden administration fees increase the cost of investing for 401(k) participants - reducing their returns. Here are the most common and how to uncover them.
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The Top Ten Frugal Fiduciary 401(k) Blogs of 2020

By: Eric Droblyen
December 23rd 2020
Our top 10 blogs for 2020 are must-reads for small business 401(k) sponsors and participants. They cover plan administration, features, fees and providers.
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How to Find & Calculate Transamerica 401(k) Fees

By: Eric Droblyen
December 17th 2020
Finding Transamerica 401k fees isn't easy. In this guide, we'll show you average Transamerica fees, then how to find & calculate them in your plan.
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Pooled vs. Single-Employer 401(k) Plans - Are PEPs for You?

By: Eric Droblyen
December 9th 2020
Supporters claim Pooled Employer Plans (PEPs) offer lower 401k fees and greater liability protection than single-employer plans. They rarely deliver either.
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401(k) Reform – How to Make Plans More Transparent

By: Eric Droblyen
November 11th 2020
401(k) plans should offer objective value for participants and straightforward fiduciary responsibilities for business owners. Often, they deliver neither.
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401(k) Fiduciary Outsourcing – Roles That MEPs Can Abuse

By: Eric Droblyen
October 28th 2020
Multiple-Employer 401k Plans (MEPs) require business owners to delegate fiduciary roles to their provider. This delegation makes MEPs highly prone to abuse.
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401(k) Retirement Planning – 4 Steps to Retire On-Time

By: Eric Droblyen
October 14th 2020
Some basic retirement planning can dramatically reduce the cost of retirement for 401k participants. Our 4-step plan requires no investing knowledge at all.
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401(k) Investments - Options for Selecting a “Prudent” Menu

By: Eric Droblyen
September 30th 2020
Inappropriate investment selection is a top cause of 401(k) lawsuits today. This trouble can be easily avoided with some impartial investment guidance.
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Paying 401(k) Admin Fees from Plan Assets Hurt Business Owners Most

By: Eric Droblyen
August 19th 2020
Small business owners often have the most to gain personally by paying their 401k provider's administration fees from a bank account instead of plan assets
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Roth vs. Traditional 401(k) Contributions – How to Choose

By: Eric Droblyen
August 5th 2020
If your 401(k) plan permits Roth deferrals, it can be worth your time to decide whether they're a better choice than traditional deferrals for your account.
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