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.
![TSP-like 401(k)s + Tax Credits = More Small Business Plans](https://www.employeefiduciary.com/hubfs/TSP-like%20401%28k%29s%20+%20Tax%20Credits%20=%20More%20Small%20Business%20Plans.jpg)
TSP-like 401(k)s + Tax Credits = More Small Business Plans
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
October 3rd 2018
Multiple Employers Plans (MEPs) are promoted as a way to expand small business retirement coverage. TSP-like 401ks and tax credits would do a better job
Read More
![How Trump’s Executive Order on Retirement Plans Falls Short](https://www.employeefiduciary.com/hubfs/How%20Trump%E2%80%99s%20Executive%20Order%20on%20Retirement%20Plans%20Falls%20Short.jpg)
How Trump’s Executive Order on Retirement Plans Falls Short
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
September 19th 2018
Multiple Employer 401(k) Plans (MEPs) are not the answer for expanding small business retirement plan coverage. Other reforms would be more effective.
Read More
![How to Total Paychex 401(k) Fees Using Their 408b-2 Disclosure](https://www.employeefiduciary.com/hubfs/How-Total-Paychex-401%28k%29-Fees-Using-Their-408b-2-Disclosure.jpg)
How to Total Paychex 401(k) Fees Using Their 408b-2 Disclosure
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
September 5th 2018
Paychex is one of the largest 401(k) providers in country. Their 408b-2 fee disclosure is also one of the worst. Here are 3 steps for deciphering it.
Read More
![Calculating ADP 401(k) Fees Using Their 408b-2 Disclosure](https://www.employeefiduciary.com/hubfs/Calculating%20ADP%20401%28k%29%20Fees%20Using%20Their%20408b-2%20Disclosure-1.jpg)
Calculating ADP 401(k) Fees Using Their 408b-2 Disclosure
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
August 22nd 2018
ADP is one of the largest 401(k) providers in country. Their 408b-2 fee disclosure is also one of the worst. Here are 3 steps for deciphering it.
Read More
![Guidelines for Benchmarking 401(k) Admin and Investment Fees](https://www.employeefiduciary.com/hubfs/Guidelines%20for%20Benchmarking%20401k%20Admin%20and%20Investment%20Fees.jpg)
Guidelines for Benchmarking 401(k) Admin and Investment Fees
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
August 8th 2018
Employers have a fiduciary responsibility to pay reasonable fees for 401k plan administration and investments. This job can be easy using simple guidelines.
Read More
![401(k) Fee Levelization – It Can Make Revenue Sharing Worse!](https://www.employeefiduciary.com/hubfs/401k-fee-levelization.jpg)
401(k) Fee Levelization – It Can Make Revenue Sharing Worse!
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
July 11th 2018
401k providers claim "fee levelization" makes revenue sharing payments more transparent and fair. In truth, the complicated process can do the opposite.
Read More
![401(k) Fidelity Bonds – Frequently Asked Questions](https://www.employeefiduciary.com/hubfs/fidelity-bonds-FAQ.jpg)
401(k) Fidelity Bonds – Frequently Asked Questions
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
June 27th 2018
An ERISA fidelity bond protects 401(k) plan participants against losses caused by acts of fraud or dishonesty. Employers should understand their basics.
Read More
![401(k) Matching Contributions – What Employers Need to Know](https://www.employeefiduciary.com/hubfs/shutterstock_779791717%20%281%29.jpg)
401(k) Matching Contributions – What Employers Need to Know
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
June 13th 2018
401k matching contributions can be highly effective in motivating workers to save for retirement. Small businesses should understand their match options.
Read More
![Four 401(k) Plan Services That Justify Higher Provider Fees](https://www.employeefiduciary.com/hubfs/401k-plan-servicers-that-justify-higer-provider-fees.jpg)
Four 401(k) Plan Services That Justify Higher Provider Fees
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
May 30th 2018
To avoid 401k fiduciary liability for paying excessive fees, pay as little as possible for “commodity” 401k services and extra for “value-added” ones only.
Read More
![Solo 401(k) Plans – Their Benefits to Self-Employed Workers](https://www.employeefiduciary.com/hubfs/blog-files/solo-401k-plans-their-benefits-to-eligible-business-owners1.png)
Solo 401(k) Plans – Their Benefits to Self-Employed Workers
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
May 16th 2018
Solo - or individual - 401k plans cover business owners and their spouses only. They allow plan participants to make maximum deductible contributions – including “mega back door” Roth IRA contributions – up to the 415 limit.
Read More