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TSP-like 401(k)s + Tax Credits = More Small Business Plans
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
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How Trump’s Executive Order on Retirement Plans Falls Short
Multiple Employer 401(k) Plans (MEPs) are not the answer for expanding small business retirement plan coverage. Other reforms would be more effective.
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How to Total Paychex 401(k) Fees Using Their 408b-2 Disclosure
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.
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Calculating ADP 401(k) Fees Using Their 408b-2 Disclosure
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.
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Guidelines for Benchmarking 401(k) Admin and Investment Fees
Employers have a fiduciary responsibility to pay reasonable fees for 401k plan administration and investments. This job can be easy using simple guidelines.
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401(k) Fee Levelization – It Can Make Revenue Sharing Worse!
401k providers claim "fee levelization" makes revenue sharing payments more transparent and fair. In truth, the complicated process can do the opposite.
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401(k) Fidelity Bonds – Frequently Asked Questions
An ERISA fidelity bond protects 401(k) plan participants against losses caused by acts of fraud or dishonesty. Employers should understand their basics.
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401(k) Matching Contributions – What Employers Need to Know
401k matching contributions can be highly effective in motivating workers to save for retirement. Small businesses should understand their match options.
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Four 401(k) Plan Services That Justify Higher Provider Fees
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.
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3 Common 401(k) Provider Conflicts of Interest!
Employers have a fiduciary responsibility to evaluate their 401(k) provider's conflicts of interest. They risk personal liability when they don't.
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