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.
![The DOL’s New Fiduciary Rule – the Value of 401(k) Investment Services Will Be More Critical Than Ever](http://www.employeefiduciary.com/hubfs/blog-files/retirement-questions.jpg)
The DOL’s New Fiduciary Rule – the Value of 401(k) Investment Services Will Be More Critical Than Ever
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
April 20th 2016
The final version of the DOL’s fiduciary rule was released April 6. This rule will make the value of 401k investments and related services more critical than ever for small businesses and financial advisors.
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![3 Tax Advantages of 401(k) Plans](http://www.employeefiduciary.com/hubfs/blog-files/tax-advantages-of-401k-plans.jpg)
3 Tax Advantages of 401(k) Plans
![](http://www.employeefiduciary.com/hubfs/images/Holly.jpg)
April 12th 2016
Among the many 401(k) benefits for small business plan sponsors and participants, there are some great tax advantages. The sooner a 401(k) plan is established, the greater the benefits.
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![Picking 401(k) Investments and Related Services Is Easy When Fiduciaries Know Their Options](http://www.employeefiduciary.com/hubfs/blog-files/ERISA-responsibilities.jpg)
Picking 401(k) Investments and Related Services Is Easy When Fiduciaries Know Their Options
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
April 6th 2016
Given the dizzying array of 401(k) investment options and services, small business 401(k) fiduciaries are often confused regarding the best options for their plan. The process of 401(k) investment decision making can be made easy by breaking it down.
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![When ADP/ACP Testing Fails, 401(k) Fiduciaries Should Understand Their Options](http://www.employeefiduciary.com/hubfs/blog-files/excise-tax.jpg)
When ADP/ACP Testing Fails, 401(k) Fiduciaries Should Understand Their Options
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
March 23rd 2016
March 15 was the deadline for most 401k plans to distribute 2015 ADP/ACP test corrections in order to avoid a 10% IRS excise tax. Small business 401k fiduciaries do not need to settle for annual ADP/ACP test failures. There are many ways ADP/ACP test returns can be avoided or reduced. Once a fiduciary understands these options, they can discuss them with their 401k provider.
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![SEC Money Market Reform Will Affect Many Small Business 401(k)s in 2016; 401(k) Fiduciaries Should Understand its Consequences](http://www.employeefiduciary.com/hubfs/blog-files/money-market-funds.jpg)
SEC Money Market Reform Will Affect Many Small Business 401(k)s in 2016; 401(k) Fiduciaries Should Understand its Consequences
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
March 9th 2016
SEC money market reforms will take effect in 2016. If a 401(k) includes a money market fund in its investment lineup, small business fiduciaries should understand the consequences of these reforms in order to decide if their plan’s money market fund should be replaced in advance of the new rules.
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![Small Business Retirement Plan Options: 401(k)s vs. SIMPLE and SEP IRAs](https://www.employeefiduciary.com/hubfs/blog-files/small-business-retirement-plan-options-401ks-vs.-simple-and-sep-iras.jpg)
Small Business Retirement Plan Options: 401(k)s vs. SIMPLE and SEP IRAs
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
February 10th 2016
401(k) plans are the most popular type of small business retirement plan today, but they are not the only option available.
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![Shopping For a 401(k) Plan Doesn’t Need To Be Overwhelming For Small Businesses; A Checklist Can Help](https://www.employeefiduciary.com/hubfs/Shopping%20For%20a%20401k%20Plan%20Doesn%E2%80%99t%20Need%20To%20Be%20Overwhelming%20For%20Small%20Businesses%3B%20A%20Checklist%20Can%20Help.jpg)
Shopping For a 401(k) Plan Doesn’t Need To Be Overwhelming For Small Businesses; A Checklist Can Help
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
January 27th 2016
401k provider services can vary dramatically in breadth, depth and price. This variability can make it difficult for small business 401k fiduciaries to select providers with services that match their plan’s needs at a reasonable price. A checklist can make this job easier.
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![Happy Holidays from the Frugal Fiduciary! Our Top 10 Blogs of 2015](http://www.employeefiduciary.com/hubfs/blog-files/happy-new-year-2016.jpg)
Happy Holidays from the Frugal Fiduciary! Our Top 10 Blogs of 2015
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
December 30th 2015
During 2015, the Frugal Fiduciary Blog covered a variety of 401k topics. Our 10 most popular blogs for the year can be found here.
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![Understanding a 401(k) Plan’s Fiduciary Hierarchy Can Make It Easier for Employers To Meet Fiduciary Responsibilities](https://www.employeefiduciary.com/hubfs/blog-files/understanding-a-401k-plans-fiduciary-hierarchy-can-make-it-easier-for-employers-to-meet-fiduciary-responsibilities.jpg)
Understanding a 401(k) Plan’s Fiduciary Hierarchy Can Make It Easier for Employers To Meet Fiduciary Responsibilities
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
December 16th 2015
401(k) fiduciary responsibility is receiving increased attention, but employers are still unclear about meeting their plan’s fiduciary responsibilities.
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![Good News, 401(k) Fiduciaries! DOL Fee Disclosure Rules Make ERISA 404(c) Compliance Simple](http://www.employeefiduciary.com/hubfs/blog-files/simple-complex.jpg)
Good News, 401(k) Fiduciaries! DOL Fee Disclosure Rules Make ERISA 404(c) Compliance Simple
![](http://www.employeefiduciary.com/hs-fs/hub/227641/file-2447430245-jpeg/images/7ef818d1f78a3ade3fe31c0d5d241188.jpeg)
By: Eric Droblyen
December 2nd 2015
ERISA 404(c) protects 401(k) fiduciaries from participant investment losses. Participant fee disclosure regulations under ERISA 404a-5 make ERISA 404(c) compliance easier.
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