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401(k) Disclosure Rules Are Out of Date; It’s Time for Common Sense Reform
Current ERISA regulations make electronic delivery of participant disclosures risky for small business 401(k) fiduciaries. It's time for reform.
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What’s Old Is New Again: “Mega Back Door” Roth IRA Contributions Spark New Interest in Old School After-Tax Contributions
Simplified Roth IRA rollover rules have raised much media buzz about 401k after-tax contributions resulting in many small business owner inquiries.
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How to Evaluate 401(k) Provider Competence in 2 Easy Steps
ERISA requires small business 401(k) fiduciaries to select “competent” 401(k) providers, but this job can be difficult due to the technical complexity of 401(k) services. To simplify the evaluation of provider competence, fiduciaries should focus on objective criteria that indicate competence.
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401(k) Plan Participation Problems? No Problem
Sometimes it can be a struggle for plan sponsors to encourage participation in their company’s 401(k) plan. Plan design options as well as participant education can make a huge difference in participant interest and enthusiasm about saving.
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What’s the #1 Reason for 401(k) Lawsuits? Overpriced or Superfluous 401(k) Services
The DOL’s new fiduciary rule will make the value of 401k services more important than ever. Small business 401k fiduciaries should root out overpriced or superfluous 401k services to protect themselves from personal liability.
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Setting Up A 401(k) Plan: The Cliff Notes
Many plan sponsors can sometimes be overwhelmed by the idea of setting up a 401k plan and its responsibilities. A high level review of what is required and setting a budget can help set plan sponsors up with realistic expectations and ease fears about 401k plan set-up.
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Picking 401(k) Investments and Related Services Is Easy When Fiduciaries Know Their Options
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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SEC Money Market Reform Will Affect Many Small Business 401(k)s in 2016; 401(k) Fiduciaries Should Understand its Consequences
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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Shopping For a 401(k) Plan Doesn’t Need To Be Overwhelming For Small Businesses; A Checklist Can Help
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
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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