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.
![401(k) Fee Study: What Does a Fiduciary-Grade Advisor Cost?](https://www.employeefiduciary.com/hubfs/401%28k%29%20Fee%20Study%20What%20Does%20a%20Fiduciary-Grade%20Advisor%20Cost%3F.jpg)
401(k) Fee Study: What Does a Fiduciary-Grade Advisor Cost?
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
August 7th 2019
Our fee study of 753 fiduciary-grade financial advisors shows impartial advice reduces the total cost of a 401(k) plan. Employers should not settle for less.
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![Revenue Sharing - 5 Reasons for 401(k) Fiduciaries to Avoid it](https://www.employeefiduciary.com/hubfs/Revenue%20Sharing%20-%205%20Reasons%20for%20401%28k%29%20Fiduciaries%20to%20Avoid%20it%20.jpg)
Revenue Sharing - 5 Reasons for 401(k) Fiduciaries to Avoid it
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
July 24th 2019
Revenue sharing makes it harder than necessary to meet 401(k) fiduciary responsibilities. Employers should pay direct 401(k) fees instead.
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![The SPIVA Scorecard – A Must-Read for 401(k) Fiduciaries](https://www.employeefiduciary.com/hubfs/shutterstock_260534162.jpg)
The SPIVA Scorecard – A Must-Read for 401(k) Fiduciaries
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
July 10th 2019
The SPIVA Scorecard measures the percentage of active funds that outperform their market benchmark over specific periods of time, net of fees. Most don't.
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![Switching 401(k) Providers? What to Expect and Pitfalls to Avoid](https://www.employeefiduciary.com/hubfs/Switching%20401%28k%29%20Providers%3F%20What%20to%20Expect%20and%20Pitfalls%20to%20Avoid.jpg)
Switching 401(k) Providers? What to Expect and Pitfalls to Avoid
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
June 26th 2019
To lower your 401k fees, you may need to replace your plan provider. This move can seem daunting until you understand the process and the pitfalls to avoid.
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![Employers Must Avoid 401(k) Providers They Can't Understand](https://www.employeefiduciary.com/hubfs/blog-files/shutterstock_199186658.jpg)
Employers Must Avoid 401(k) Providers They Can't Understand
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
June 12th 2019
Avoiding 401k fiduciary liability can be easy. You just need a basic understanding of your fiduciary responsibilities and an easy-to-monitor plan provider.
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![The SECURE Act and RESA - the Good, the Bad, and the Ugly](https://www.employeefiduciary.com/hubfs/SECURE-Act-and-RESA.jpg)
The SECURE Act and RESA - the Good, the Bad, and the Ugly
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
May 29th 2019
Congress wants to expand workplace retirement plan coverage. The SECURE Act and RESA aim to do that. They offer 401(k) reform, but won't expand coverage.
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![401(k) Rollovers: When One is in Your Best Interest](https://www.employeefiduciary.com/hubfs/Untitled%20design-1.png)
401(k) Rollovers: When One is in Your Best Interest
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
May 15th 2019
After leaving a job, you must decide what to do with your 401(k) account. A rollover may or may not be in your best interest. Here's how to decide.
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![401(k) Mutual Funds – Pay Attention to Share Class!](https://www.employeefiduciary.com/hubfs/shutterstock_395918383.jpg)
401(k) Mutual Funds – Pay Attention to Share Class!
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
May 1st 2019
Mutual funds are often available in multiple share classes. To serve the best interest of 401k participants, the least expensive share class should be used.
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![It's Too Easy to Conceal 401k Fees – We Need 408b-2 Reform](https://www.employeefiduciary.com/hubfs/It%27s%20Too%20Easy%20to%20Conceal%20401k%20Fees%20%E2%80%93%20We%20Need%20408b-2%20Reform.jpg)
It's Too Easy to Conceal 401k Fees – We Need 408b-2 Reform
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
April 17th 2019
Fidelity is being accused of charging excessive, undisclosed 401(k) fees. Other providers obfuscate fees in 408b-2 disclosures. It's time for reform.
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![401(k) Investment Advice – Pros and Cons of the 3 Basic Forms](https://www.employeefiduciary.com/hubfs/asset%20allocation%20cropped.jpg)
401(k) Investment Advice – Pros and Cons of the 3 Basic Forms
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
April 3rd 2019
401(k) participants can receive professional investment advice from a mutual fund, financial advisor, or algorithm today. Each advice form has pros and cons
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